3100 Harness Loop, Owensboro, KY 42303 Property Records

Daviess County property record for 3100 Harness Loop, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1998
Lot Size	0.314 acres (13,678 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,079 (2025)
Deeds & Mortgages	Mar 2005 Mortgage Aug 2005 Sale
Flood Zone	Zone X (minimal risk)
APN	`074N0000100000`

Property Details

APN / Parcel Number

Primary APN	`074N0000100000`
Alternative APNs	`074-N0-00-001-00-000` `2246425`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,462 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	154 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3100 HARNESS LOOP
City	OWENSBORO
State	KY
Zip	42303-9009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3100 HARNESS LP
Legal Subdivision	THE DOWNS
Legal Lot Number	1
Jurisdiction	DAVIESS KY
Township / Civil Division	WHITESVILLE-PHILPOT
Census Block Group	3
Census Block	3018
Census Tract	1401

Owner

3100 Harness Loop is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3100 HARNESS LOOP, OWENSBORO, KY 42303-9009
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2005	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Aug 4, 2005	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3100 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001412/575
Date	Mar 17, 2005
Book Page	1412/575
Instrument	2005-00004331

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 4, 2006

August 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Aug 4, 2005
Property Address	3100 HARNESS LOOP, OWENSBORO, KY 42303-9009
Document Number	000803/270
Book / Page	0803 / 270
Map Reference	MB26 PG328
Instrument Date	Aug 4, 2005
Instrument	2005-00013481
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Tax	$126.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3100 HARNESS LOOP, OWENSBORO, KY 42303-9009

Tax Assessment & Valuation

The 2025 property tax bill for 3100 Harness Loop was $2,079.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$194,600 (-)	$194,600 (-)
2025	$2,079.00	$194,600 Land $30,000 Building $164,600	$194,600 Land $30,000 Building $164,600
2023		$164,600	$164,600

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

Flood

FEMA maps place 3100 Harness Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 31, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3100 Harness Loop is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	DAVIESS CO WATER DISTRICT serves 33,655 people · EPA ID KY0300387
Water Source	Purchased groundwater from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
AT&T Fiber · Fixed Wireless	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: T-Mobile.

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