3144 Harness Loop, Owensboro, KY 42303 Property Records

Daviess County property record for 3144 Harness Loop, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,585 sqft · built 1997
Lot Size	0.333 acres (14,505 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Aug 2019)
Tax Bill	$1,624 (2025)
Deeds & Mortgages	Apr 2008 Mortgage May 2005 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074N0001200000`

Property Details

APN / Parcel Number

Primary APN	`074N0001200000`
Alternative APNs	`074-N0-00-012-00-000` `2221277`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,585 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,505 sqft (0.333 acres)
Lot Dimensions	168 ft deep x 27 ft wide
Garage Type	Attached
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3144 HARNESS LOOP
City	OWENSBORO
State	KY
Zip	42303-9009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3144 HARNESS LP
Legal Subdivision	THE DOWNS
Legal Lot Number	12
Jurisdiction	DAVIESS KY
Township / Civil Division	WHITESVILLE-PHILPOT
Census Block Group	3
Census Block	3018
Census Tract	1401

Owner

3144 Harness Loop is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3144 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
Apr 1, 2008	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
May 25, 2005	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
Apr 3, 2009	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on File
Deed Sale	Aug 22, 2019 · Amount on File
Record Updated	Oct 29, 2026

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3144 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FAREMAN WATSON LAND TITLE LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001632/405
Date	Apr 1, 2008
Book Page	1632/405
Instrument	2008-00005145

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2038

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3144 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001428/387
Date	May 25, 2005
Book Page	1428/387
Instrument	2005-00008823

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 10, 2020

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3144 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001687/261
Date	Apr 3, 2009
Book Page	1687/261
Instrument	2009-00004943

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Mar 19, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3144 Harness Loop was $1,624 with a homeowner's exemption.

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		$199,500 (-)	$199,500 (-)
2025	$1,624.00 Homeowner's exemption	$199,500 Land $30,000 Building $169,500	$199,500 Land $30,000 Building $169,500
2023		$169,600	$169,600

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

Flood

FEMA maps place 3144 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 3144 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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