3161 Harness Loop, Owensboro, KY 42303 Property Records

Daviess County property record for 3161 Harness Loop, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1998
Lot Size	0.216 acres (9,409 sqft)
Owner	Individual Name on File
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Apr 2006 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074N0001700000`

Property Details

APN / Parcel Number

Primary APN	`074N0001700000`
Alternative APNs	`074-N0-00-017-00-000` `2247770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,409 sqft (0.216 acres)
Lot Dimensions	125 ft deep x 60 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	3161 HARNESS LOOP
City	OWENSBORO
State	KY
Zip	42303-9012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3161 HARNESS LP
Legal Subdivision	THE DOWNS
Legal Lot Number	17
Jurisdiction	DAVIESS KY
Township / Civil Division	WHITESVILLE-PHILPOT
Census Block Group	3
Census Block	3023
Census Tract	1401

Owner

3161 Harness Loop is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3161 HARNESS LOOP, OWENSBORO, KY 42303-9012
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Apr 5, 2006
Property Address	3161 HARNESS LOOP, OWENSBORO, KY 42303-9012
Document Number	000814/705
Book / Page	0814 / 705
Map Reference	MB27 PG351
Instrument Date	Apr 4, 2006
Instrument	00005979
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	$117.00
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	4700 PLEASANT VALLEY RD, PHILPOT, KY 42366-9719

Mortgage

Document Number	001496/760
Date	Apr 5, 2006
Book Page	1496/760
Instrument	0005980

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3161 Harness Loop was $1,836.

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		$171,000 (-)	$171,000 (-)
2025	$1,836.00	$171,000 Land $30,000 Building $141,000	$171,000 Land $30,000 Building $141,000
2023		$145,300	$145,300

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

Flood

FEMA maps place 3161 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 3161 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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