Daviess County property record for 2231 Ruby Ct, Owensboro, KY 42303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,478 sqft · built 2007 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Mar 2023) |
| Tax Bill | $2,416 (2025) |
| Deeds & Mortgages | Jul 2008 Line of Credit Jul 2008 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 073L0003700000 |
| Primary APN | 073L0003700000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,478 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,104 sqft (0.209 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 2231 RUBY CT |
|---|---|
| City | OWENSBORO |
| State | KY |
| Zip | 42303-5604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2231 RUBY CT |
| Legal Subdivision | STERLING PARK |
| Legal Lot Number | 37 |
| Jurisdiction | DAVIESS KY |
| Township / Civil Division | WHITESVILLE-PHILPOT |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 1402 |
Source: Daviess County assessment roll, APN 073L0003700000, as of May 8, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 2231 RUBY CT, OWENSBORO, KY 42303-5604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 09, 2008 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Jul 01, 2008 | Deed, Subdivision Related Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Jan 12, 2007 | Deed, Transfer REPUBLIC BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on Record |
| Deed Sale | Mar 13, 2023 · Amount on Record |
| Prior Sale | Aug 02, 2022 · Amount on Record |
| Prior Transfer Date | Mar 10, 2023 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIESS KY |
| Property Address | 2231 RUBY CT, OWENSBORO, KY 42303-5604 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001649/254 |
|---|---|
| Date | Jul 09, 2008 |
| Book Page | 1649/254 |
| Instrument | 2008-00011462 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 30, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | DAVIESS KY |
| Recording Date | Jul 01, 2008 |
| Property Address | 2231 RUBY CT, OWENSBORO, KY 42303-5604 |
| Document Number | 000849/637 |
| Book / Page | 0849 / 637 |
| Map Reference | MB34 PG163 |
| Instrument Date | Jun 30, 2008 |
| Instrument | 200800011040 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1918 FAWN DR, OWENSBORO, KY 42303-1847 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2231 RUBY CT, OWENSBORO, KY 42303-5604 |
| Document Number | 001648/055 |
|---|---|
| Date | Jul 01, 2008 |
| Book Page | 1648/055 |
| Instrument | 2008-00011041 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DAVIESS KY |
| Recording Date | Jan 12, 2007 |
| Property Address | 2231 RUBY CT, OWENSBORO, KY 42303-5604 |
| Document Number | 000827/298 |
| Book / Page | 0827 / 298 |
| Map Reference | MB34 PG+163 |
| Instrument Date | Jan 11, 2007 |
| Instrument | 200700000619 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1918 FAWN DR, OWENSBORO, KY 42303-1847 |
| Name | Verified Name |
|---|---|
| Address | 1918 FAWN DR, OWENSBORO, KY 42303-1847 |
| Document Number | 001551/992 |
|---|---|
| Date | Jan 12, 2007 |
| Book Page | 1551/992 |
| Instrument | 2007-00000620 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jan 11, 2008 |
Source: Daviess County records · Assessment roll updated May 8, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Daviess County |
| Unified School District | Daviess County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,416.00 | $230,000 (+2.22%) Land $25,000 Building $205,000 | $230,000 (+2.22%) Land $25,000 Building $205,000 |
| 2023 | $225,000 | $225,000 |
Source: FEMA National Flood Hazard Layer, Daviess County (21059C), as of July 31, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210590014023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 171 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| Benton Ridge Telephone Company Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system KY0300387, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DAVIESS CO WATER DISTRICT serves 33,655 people |
|---|---|
| Water Source | Purchased groundwater from several systems |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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