3152 Harness Loop, Owensboro, KY 42303 Property Records

Daviess County property record for 3152 Harness Loop, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 1999
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on Record
Tax Bill	$1,776 (2025)
Deeds & Mortgages	Mar 2005 Mortgage Apr 2008 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`074N0001400000`

Property Details

APN / Parcel Number

Primary APN	`074N0001400000`
Alternative APNs	`074-N0-00-014-00-000` `2255790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area

Exterior

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	12,110 sqft (0.278 acres)
Lot Dimensions	143 ft deep x 36 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3152 HARNESS LOOP
City	OWENSBORO
State	KY
Zip	42303-9009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3152 HARNESS LP
Legal Subdivision	THE DOWNS
Legal Lot Number	14
Jurisdiction	DAVIESS KY
Township / Civil Division	WHITESVILLE-PHILPOT
Census Block Group	3
Census Block	3018
Census Tract	1401

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2005	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE
Apr 24, 2008	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO FINANCIAL BANK
Jan 28, 2011	Deed, Transfer SOUTH CENTRAL BANK OF DAVIESS
Jan 24, 2006	Deed, Transfer · Conventional Mortgage WACHOVIA MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001415/093
Date	Mar 29, 2005
Book Page	1415/093
Instrument	2005-00005064

Lender

Name	NATIONAL CITY MORTGAGE
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2035

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001636/563
Date	Apr 24, 2008
Book Page	1636/563
Instrument	2008-00006448

Lender

Name	WELLS FARGO FINANCIAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2011: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Jan 28, 2011
Property Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009
Document Number	008850/683
Book / Page	8850 / 683
Map Reference	MB26 PG328
Instrument Date	Jan 21, 2011
Instrument	1345482
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 LYDIA ST, LOUISVILLE, KY 40217-1535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009

Mortgage

Document Number	0001345483
Date	Jan 28, 2011
Instrument	1345483

Lender

Name	SOUTH CENTRAL BANK OF DAVIESS

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jan 26, 2036

Interest

Rate Type	Adjustable Rate

January 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Jan 24, 2006
Property Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009
Document Number	000811/501
Book / Page	0811 / 501
Map Reference	MB26 PG328
Instrument Date	Jan 20, 2006
Instrument	00001421
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3152 HARNESS LOOP, OWENSBORO, KY 42303-9009

Mortgage

Document Number	001482/213
Date	Jan 24, 2006
Book Page	1482/213
Instrument	0001422

Lender

Name	WACHOVIA MORTGAGE CORP
Type	Mortgage Company
Address	RALEIGH, NC 27607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

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		$165,200 (-)	$165,200 (-)
2025	$1,776.00	$165,200 (+17.75%) Land $30,000 Building $135,200	$165,200 (+17.75%) Land $30,000 Building $135,200
2023		$140,300	$140,300

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

Flood

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

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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