3148 Harness Loop, Owensboro, KY 42303 Property Records

Daviess County property record for 3148 Harness Loop, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 2000
Lot Size	0.254 acres (11,064 sqft)
Owner	Company Name on File
Tax Bill	$1,759 (2025)
Deeds & Mortgages	Jun 2005 Line of Credit Oct 2008 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074N0001300000`

Property Details

APN / Parcel Number

Primary APN	`074N0001300000`
Alternative APNs	`074-N0-00-013-00-000` `2257448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	168 ft deep x 37 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3148 HARNESS LOOP
City	OWENSBORO
State	KY
Zip	42303-9009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3148 HARNESS LP
Legal Subdivision	THE DOWNS
Legal Lot Number	13
Jurisdiction	DAVIESS KY
Township / Civil Division	WHITESVILLE-PHILPOT
Census Block Group	3
Census Block	3018
Census Tract	1401

Owner

3148 Harness Loop, a single family home, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	4920 VEACH RD, OWENSBORO, KY 42303-9417
Owner Type	Company
Vesting	Company

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
Jun 10, 2005	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Oct 23, 2008	Deed, Transfer · FHA Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3148 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001432/054
Date	Jun 10, 2005
Book Page	1432/054
Instrument	2005-00009847

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	TROY, IN 47588

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	May 13, 2010

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Oct 23, 2008
Property Address	3148 HARNESS LOOP, OWENSBORO, KY 42303-9009
Document Number	000854/252
Book / Page	0854 / 252
Map Reference	MB26 PG328
Instrument Date	Oct 20, 2008
Instrument	200800017371
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	723 MAIN ST, TELL CITY, IN 47586-1705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3148 HARNESS LOOP, OWENSBORO, KY 42303-9009

Mortgage

Document Number	001664/308
Date	Oct 23, 2008
Book Page	1664/308
Instrument	2008-00017372

Lender

Name	FIRST FEDERAL SAVINGS BANK
Address	ELIZABETHTOWN, KY 42701

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 3148 Harness Loop was $1,759.

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		$163,500 (-)	$163,500 (-)
2025	$1,759.00	$163,500 Land $30,000 Building $133,500	$163,500 Land $30,000 Building $133,500
2023		$138,800	$138,800

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

Flood

FEMA maps place 3148 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 3148 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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