Daviess County property record for 3112 Harness Loop, Owensboro, KY 42303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,188 sqft · built 1999 |
| Lot Size | 0.249 acres (10,846 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,500 (Jul 2021) |
| Tax Bill | $2,057 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 074N0000400000 |
| Primary APN | 074N0000400000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,846 sqft (0.249 acres) |
| Lot Dimensions | 176 ft deep x 35 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3112 HARNESS LOOP |
|---|---|
| City | OWENSBORO |
| State | KY |
| Zip | 42303-9009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3112 HARNESS LP |
| Legal Subdivision | THE DOWNS |
| Legal Lot Number | 4 |
| Jurisdiction | DAVIESS KY |
| Township / Civil Division | WHITESVILLE-PHILPOT |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 1401 |
3112 Harness Loop is owned and occupied by an individual who bought it in July 2021.
Source: Daviess County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3112 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2021 · Amount on File |
| Deed Sale | Jul 6, 2021 · Amount on File |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3112 Harness Loop was $2,057.
Source: Daviess County assessment roll, as of May 8, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Daviess County |
| Unified School District | Daviess County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $192,500 (-) | $192,500 (-) | |
| 2025 | $2,057.00 | $192,500 Land $30,000 Building $162,500 | $192,500 Land $30,000 Building $162,500 |
| 2023 | $192,500 | $192,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3112 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 risk around 3112 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 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
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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