Our History

Born into the appraisal business, Ryan Bays was around the industry from his very first breath. His father owned the finest real estate appraisal business in Southern Illinois and had Ryan working with him on jobs as soon as he could hold the other end of the measuring tape.

Holding various positions within his dad’s company as he grew up, Ryan took some time off to sell real estate while at the University of Alabama, but eventually made his way back into the business after college. In 2005, Ryan began his formal training to become a real estate appraiser. After receiving his certification, he and his family moved to Owensboro, Kentucky in 2008 and began a new chapter in their lives. Ryan officially started Riverfront Appraisals in the summer of that year.

Beginning at the very bottom of the real estate market, and during an economic collapse, the business still found success. To this day, Ryan will tell you it was a gracious gift from God. Following the success of the Owensboro office, in 2020, Riverfront Appraisals opened their second office in Tell City, Indiana. 

Our Team

Ryan Bays


Ryan is the blessed husband of Tiffany Bays, and together they have six beautiful daughters.  As a family, they enjoy traveling and playing music, as well as serving at their church, Pleasant Valley Community Church.  Growing up in the appraisal business, Ryan knows what it takes to be successful in this industry:  hard work, integrity, and attention to detail.  He formed Riverfront Appraisals in 2008 and received his SRA designation (the highest designation given to residential appraisers) in 2014, followed by his AI-RRS designation in 2015.

Gerren Dugger

Certified Appraiser

Gerren is an Owensboro native and has been with Riverfront Appraisals since 2016. He holds a Bachelor’s degree from the University of Kentucky in Fine Art. Prior to joining the Riverfront Appraisals team, Gerren lived and worked in Lexington, Kentucky in the graphic design and promotions industry, specializing in research and data analysis. In the spring of 2019, Gerren became a Certified Real Property Appraiser. In his free time, Gerren loves spending time with his wife Kristi and two sons, and greatly enjoys making art, hiking, cycling, fishing, and gardening with his family.

Jessica Roberts

Office Manager

Jessica Roberts joined the Riverfront Appraisals team in 2016. She currently oversees the day-to-day operation of our office, and is responsible for making sure the appraisal process runs smoothly behind the scenes, from order retrieval to delivery. Prior to coming to the appraisal industry, Jessica studied and worked in the medical field.  Jessica is from Owensboro, but now lives in Lewisport with her husband, Jason. She enjoys spending time with her family, traveling and UK basketball.

Ben Cecil

Associate Appraiser

Ben Cecil joined the Riverfront Appraisals team in 2015 as a part-time assistant/photographer and now serves as a Licensed Associate Appraiser. Ben is a Lieutenant for the Owensboro Fire Department, and works for us on his days off. He has also performed stand up comedy professionally since 2011. Ben is married to Mandy, and has two children, Lily and Jonah.

Kassandra Chappell

Client Care Manager

Kassandra Chappel has been with Riverfront Appraisals since 2016, and serves as our Client Care Manager.  She is in charge of setting up new orders, researching, and updating our clients throughout the entire process from order receipt through invoicing.  Kassandra moved to Owensboro as a teenager, and married her high school sweetheart.  She and her husband have three lovely daughters, and in her spare time, she enjoys spending time with her family and church.

Janna Woodfall

Exec. Assistant & Social Media Marketing

Janna Woodfall joined the Riverfront Appraisals team in 2018, as the Social Media & Marketing Manager. Janna has called Owensboro home for thirteen years, where together with her husband, she has four sons. Janna & her family enjoy homeschooling and spending time with family and friends, particularly outdoors. Janna has a degree from Murray State University in Education.

Seth Fenwick

Seth Fenwick joined the Riverfront Appraisals team in 2021. He is graduating in May of 2022 with his Bachelors in Business administration with an emphasis in accounting. Seth was born in Owensboro, Kentucky and has lived there his whole life. In his spare time he likes to hang out with family and his girlfriend, Avery, go fishing, and serving at his church, Pleasant Valley Community Church

Kristina Schmidt

Associate Appraiser

Kristina joined the Riverfront Appraisal team in 2021 as an Associate Appraiser. She has worked in the Real Estate industry since 2013 when she obtained her Sales Associate license. She also has an Associate degree in Business Administration Management. She is a lifetime resident of Henderson County where she lives with her husband Eric, and their two teenage children, Brookley and Eli. In her free time, she enjoys hiking, kayaking, and spending time with her family.

Hannah Goebel

Hannah lives in Owensboro with her husband and 3, always hungry, children. She graduated from the University of Kentucky. Previously, Hannah has worked for the STEP GED Program, Care Net Pregnancy Center, and Grace Marriage. In her free time she enjoys eating, spending time with family, and traveling.

Clarity and confidence starts here.

Market values are always changing. If your last appraisal is over six months old, it’s time for a new appraisal. Be who should you contact? Instead of looking at Zillow, which is usually inaccurate and bases their opinions on algorithms, contact an independent, unbiased, and objective appraiser. Getting an appraisal on your home could help you keep thousands in equity, as a seller, and prevent you from overpaying as a buyer.

Customers Who Trust Us