Owen County property record for 3215 Harmony Rd, Owenton, KY 40359
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 576 sqft · built 2001 |
| Lot Size | 70.3 acres (3,064,882 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $685,000 (Aug 2024) |
| Tax Bill | $4,344 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 088-00-00-025.00 |
| Primary APN | 088-00-00-025.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 576 sqft Living Area |
| Basement Area | 1,800 sqft |
| Unfinished Basement | 1,800 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,064,882 sqft (70.3 acres) |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 320 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Account Number | 12087 |
|---|---|
| Street Address | 3215 HARMONY RD |
| City | OWENTON |
| State | KY |
| Zip | 40359-8918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70.4 AC / HOUSE / IMPS |
| Jurisdiction | OWEN KY |
| Township / Civil Division | MONTEREY-NEW COLUMBUS |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 970300 |
3215 Harmony Rd is owned by two individuals who bought it in August 2024.
Source: Owen County records, as of June 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 392 LUSK RD, BENTLEYVILLE, PA 15314-1974 |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK |
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2024 · Amount on File |
| Deed Sale | Aug 2, 2024 · Amount on File |
| Deed Document Number | 20241172811 |
| Deed Book / Page | 275 / 396 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN KY |
| Property Address | 3215 HARMONY RD, OWENTON, KY 40359-8918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000M351/46 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | M351/46 |
| Instrument | 1207847 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | OWENTON, KY 40359 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN KY |
| Property Address | 3215 HARMONY RD, OWENTON, KY 40359-8918 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | MTG291/753 |
|---|---|
| Date | May 27, 2020 |
| Book Page | MTG 291/753 |
| Instrument | 2020001266 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
The 2025 property tax bill for 3215 Harmony Rd was $4,344.
Source: Owen County assessment roll, as of November 20, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Owen County |
| Unified School District | Owen County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,344.00 | $364,300 | $364,300 |
| 2023 | $1,626.00 Homeowner's exemption | $183,300 | $183,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3215 Harmony Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 6 (2010–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3215 Harmony Rd is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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 | PEAKS MILL WATER DISTRICT serves 3,268 people · EPA ID KY0370346 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Broadlinc Fixed Wireless | 50 / 5 |
| AT&T Fixed Wireless | 25 / 3 |
| All Points Broadband Fixed Wireless | 10 / 1 |
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