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640 Masters Way, Bowling Green, KY, 42104

3beds
2baths
1,995sqft
$346,900
$174price/sqft
$2,367/moest. monthly cost
$94,680/yrincome needed

About This Home

Welcome to this charming 3-bedroom, 2-bathroom brick home! This well-maintained property features a spacious layout perfect for comfortable living. The home boasts a bright and inviting living area, a modern kitchen, and generously sized bedrooms. Conveniently located near schools, shopping, and dining, this home is a must-see!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
9/10
9/10
South Warren High SchoolGrades 9-123.5 mi

Construction

Condition

  • Property condition: New Construction
  • Year built: 1999

Materials

  • Roof: Dimensional
  • Construction materials: Brick/Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Refrigerator,Electric Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: None,Crawl Space

Bathroom

  • Features: Separate Shower

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),Closet Light(s),Split Bedroom Floor Plan,Vaulted Ceiling(s),Walk-In Closet(s),Walls (Dry Wall),Breakfast Room,Formal Dining Room
  • Door features: Insulated Doors
  • Window features: Thermo Pane Windows
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: 1,Gas Log-Natural
  • Fireplace: Yes
  • Attic: Storage

Heating & Cooling

  • Heating features: Central,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,995
  • Total interior livable area: 1,995 sqft

Kitchen

  • Features: Granite Counters
  • Level: Main

Master Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: 1st Floor Bathroom

Details

  • Parcel number: 042A13214

Features

  • Patio & porch: Patio
  • Exterior features: Concrete Walks,Garden,Landscaping,Mature Trees
  • Fencing: Back Yard
  • Waterbody name: None

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Front Entry,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hail
    HailVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Cold Wave
Ice Storm
Lightning
Tornado
Heat Wave
Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,754$21,048
Home Insurance *$180$2,160
Property Taxes $276$3,312
Electricity $157$1,890
Total$2,367$28,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,154/yr
40% on housing$71,010/yr
45% on housing$63,120/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 42104$161
Warren County$162

vs Homes Sold Last Month

Median $/sqft

ZIP 42104$172
Warren County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-31Price change$349,900
2025-12-15Price change$352,900
2025-11-19Listed for sale$354,900
2011-05-17Sold$176,900

For Sale by Agent

AgentJason Mills
BrokerageKeller Williams First Choice R

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