128 Hummingbird Loop E, Owensboro, KY 42301 Property Records

Daviess County property record for 128 Hummingbird Loop E, Owensboro, KY 42301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1974
Lot Size	0.127 acres (5,545 sqft)
Owner	Individual Name on Record
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Jan 2007 Mortgage Apr 2005 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`006-15-03-013-00-000`

Property Details

APN / Parcel Number

Primary APN	`006-15-03-013-00-000`
Alternative APN	`1415046`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,044 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,545 sqft (0.127 acres)
Lot Dimensions	118 ft deep x 47 ft wide
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	128 HUMMINGBIRD LOOP E
City	OWENSBORO
State	KY
Zip	42301-0257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	128 HUMMINGBIRD LP E
Legal Subdivision	AUDUBON ACRES
Legal Lot Number	20
Jurisdiction	DAVIESS KY
Township / Civil Division	UTICA-STANLEY
Census Block Group	2
Census Block	2019
Census Tract	1300

Owner

Source: Daviess County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	128 HUMMINGBIRD LOOP E, OWENSBORO, KY 42301-0257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2007	Deed of Trust, Mortgage · ARM NOVASTAR MORTGAGE INC
Apr 18, 2005	Deed of Trust, Mortgage · ARM ACCREDITED HOME LENDERS INC
Dec 15, 2009	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 18, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ACCREDITED HOME LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	128 HUMMINGBIRD LOOP E, OWENSBORO, KY 42301-0257
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001553/322
Date	Jan 22, 2007
Book Page	1553/322
Instrument	2007-00001079

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender
Address	CARMEL, IN 46032

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2037
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	9.05%
Type Change Date	Feb 1, 2009
Change Frequency	6 Months
Min Rate At Change	9.05%
Max Rate At Change	12%
Index	6-Month LIBOR
Max Rate	16%

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	128 HUMMINGBIRD LOOP E, OWENSBORO, KY 42301-0257
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	PROGRESSIVE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001419/597
Date	Apr 18, 2005
Book Page	1419/597
Instrument	2005-00006328

Lender

Name	ACCREDITED HOME LENDERS INC
Type	Subprime Lender
Address	SAN DIEGO, CA 92128

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.8%
Type Change Date	Apr 1, 2008
Change Frequency	6 Months
Min Rate At Change	7.8%
Max Rate At Change	9.3%
Index	6-Month LIBOR
Max Rate	14.8%

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	128 HUMMINGBIRD LOOP E, OWENSBORO, KY 42301-0257
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001730/741
Date	Dec 15, 2009
Book Page	1730/741
Instrument	2009-00019560

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2040

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	128 HUMMINGBIRD LOOP E, OWENSBORO, KY 42301-0257
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	PROGRESSIVE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001419/616
Date	Apr 18, 2005
Book Page	1419/616
Instrument	2005-00006329

Lender

Name	ACCREDITED HOME LENDERS INC
Type	Subprime Lender
Address	SAN DIEGO, CA 92128

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2020

Tax Assessment & Valuation

Source: Daviess County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Daviess County
Municipality	Owensboro City
Unified School District	Daviess County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,500 (-)	$103,500 (-)
2025	$1,066.00 (+365.5%)	$103,500 (-) Land $20,000 Building $83,500	$103,500 (-) Land $20,000 Building $83,500
2023		$103,500 (+19.1%)	$103,500 (+19.1%)
2022	$229.00	$86,900	$86,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 31, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OWENSBORO MUNICIPAL UTILITIES serves 60,473 people · EPA ID KY0300336
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Owensboro Municipal Utilities.

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