3840 Springtree Dr, Owensboro, KY 42301 Property Records

Daviess County property record for 3840 Springtree Dr, Owensboro, KY 42301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,126 sqft · built 1985
Lot Size	0.209 acres (9,100 sqft)
Owner	Individual Name on Record
Last Sale	$109,900 (Jul 2021)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Dec 2008 Mortgage Oct 2008 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-16-01-073-00-000`

Property Details

APN / Parcel Number

Primary APN	`006-16-01-073-00-000`
Alternative APN	`1405930`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,126 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,100 sqft (0.209 acres)
Lot Dimensions	130 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3840 SPRINGTREE DR
City	OWENSBORO
State	KY
Zip	42301-0168
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3840 SPRINGTREE DR
Legal Subdivision	LAKEWOOD
Legal Lot Number	73
Jurisdiction	DAVIESS KY
Township / Civil Division	UTICA-STANLEY
Census Block Group	1
Census Block	1018
Census Tract	1300

Owner

Source: Daviess County records, as of May 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4500 CLINT CIR, NEWBURGH, IN 47630-2088
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2008	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Oct 24, 2008	Deed of Trust, Mortgage PERSONAL FINANCE COMP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Record Updated	Jun 8, 2026

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3840 SPRINGTREE DR, OWENSBORO, KY 42301-0168
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001671/109
Date	Dec 29, 2008
Book Page	1671/109
Instrument	2008-00020418

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	BOWLING GREEN, KY 42104

Agreement

Type	ARM
Amount	Amount Recorded
Term	480 Months
Due	Dec 6, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	3%
Index	6-Month LIBOR
Max Rate	6%

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3840 SPRINGTREE DR, OWENSBORO, KY 42301-0168
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICES, LLP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001664/485
Date	Oct 24, 2008
Book Page	1664/485
Instrument	2008-00017513

Lender

Name	PERSONAL FINANCE COMP
Type	Non-Lending Institution
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	58 Months
Due	Aug 6, 2013

Tax Assessment & Valuation

Source: Daviess County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Daviess County
Municipality	Owensboro City
Unified School District	Daviess County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,132.00 (+290.34%)	$109,900 (-) Land $15,000 Building $94,900	$109,900 (-) Land $15,000 Building $94,900
2023		$109,900 (-)	$109,900 (-)
2022	$290.00	$109,900	$109,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2008 · river or lake flooding

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OWENSBORO MUNICIPAL UTILITIES serves 60,473 people · EPA ID KY0300336
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) 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 290 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
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: Conexon Connect, Owensboro Municipal Utilities.

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