"I'm thrilled," Combs said.
She birdied two of the first three holes to move into the lead, then played consistently well for most of the remaining 15 holes.
"I was just trying to play one hole at a time," she said. "It's very boring. I drove the ball well and I putted well."
Warner was happy, too, even though the Liberty teen-ager settled for a second-place tie after holding the first-round lead.
"I'm lucky to have the score that I did," she said. "I was all over the golf course, but I was able to get up and down a lot."
Warner will be a freshman at EKU
Warner, who will be a freshman on the Eastern Kentucky University team this fall, was also pleased that she got to play in the final foursome with three of the top amateur players in Kentucky - Combs, Rizer and Cynthia Powell.
But she said that wasn't how she felt on her way to the first tee. Her three playing partners have combined to win 20 of the 29 Tee Cup titles, and Combs and Powell claimed eight of them before Warner was born.
"It kind of intimidated me, playing with three of the best ladies in the state," she said. "I didn't know what to expect.
"But they treated me as more of an adult than a kid."
Combs said the three veteran players in the group wanted Warner to feel relaxed among them.
"We tried very hard to put her at ease," Combs said. "We've all played together a long time, and we want everyone to play nice golf, and that's what we got to see today."
Warner's coach at Eastern, Jonie Stephens, who was also playing in the tournament, said it did Warner a world of good to play in the final group.
"She was very composed, and she held her own," Stephens said. "This might really help her confidence."
Warner said the experience will definitely help her game.
"I learned a lot just about character and the mental game," Warner said. "You don't have to be so serious about golf. It's a fun game.
"I had a really good time. I'm really glad I got that pairing after all."
Combs went out in 33
She got to see Combs shoot 33 on the front nine after birdies on the second, third and eighth holes. Combs bogeyed the 12th hole, took double-bogey on the 14th thanks to a three-putt, and bogeyed the 16th, but she also had a birdie on No. 13, and she essentially clinched the victory with an eagle on the par-5 17th.
"Outside of one hole, I'm very well pleased," Combs said.
"Anne can do anything," Warner said. "When she does miss, it's not really a miss."
Combs, who won the Marion Miley Invitational last year, didn't realize it had been nearly two decades since her last title.
"That's a testament to this tournament and the field they have," she said. "People adore coming over here."
Warner bogeyed her first hole but had birdies on the third and seventh to make the turn in 35. However, she had two bogeys and no birdies on the back nine.
She said she'd love to play this tournament often in coming years.
"These are really nice events," Warner said. "I like this better than a lot of the tournaments I've been to."
Rizer, of Bardstown, shot a final-round 73 that included two birdies.
Anne Combs 74-71-145
Joan Rizer 74-73-147
Kelli Warner 73-74-147
Kim Hartlage 75-74-149
Beth Curlin 76-74-150
Laurie Goodlett 78-74-152
Brittany Klein 75-77-152
Sami Montgomery-Claywell 75-77-152
Cynthia Powell 74-79-153
Pat Fox 80-75-155
Jessica Cornelius 79-77-156
Margaret Hodges 81-81-162
Sandra Martin 84-79-163
Jonie Stephens 79-84-163
Judy Jackson 80-85-165
Louise Hopper 83-84-167
Hilda Hodges 82-80-162
Erika Price 82-81-163
Barbara Hanna 86-80-166
Judy Huffman 84-88-172
Sara Jane Montgomery 86-86-172
Linda Neikirk 87-86-173
Joyce Bierman 91-88-179
Margie Sebastian 92-87-179
Shirley Cox 89-97-186
Jonelle Moe 91-95-186
Rachael Zvolensky 95-91-186
Christy Moore 97-93-190
Jan Hurt 94-89-193
Lou Brown 99-98-197