Daviess County property record for 4580 Fields Rd, Owensboro, KY 42303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,229 sqft · built 2004 |
| Lot Size | 1.51 acres (66,037 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,863 (2025) |
| Deeds & Mortgages | Jun 2006 Line of Credit Aug 2010 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 089-00-00-154-02-000 |
| Primary APN | 089-00-00-154-02-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,229 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 66,037 sqft (1.51 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 4580 FIELDS RD |
|---|---|
| City | OWENSBORO |
| State | KY |
| Zip | 42303-2653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4580 FIELDS RD |
| Legal Subdivision | RANDALL WEDDING |
| Jurisdiction | DAVIESS KY |
| Township / Civil Division | WHITESVILLE-PHILPOT |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 1402 |
4580 Fields Rd 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 | 4580 FIELDS RD, OWENSBORO, KY 42303-2653 |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2006 | Deed of Trust, Mortgage · Line of Credit US BANK NA ND |
| Aug 27, 2010 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 27, 2005 | Deed, Transfer · ARM REPUBLIC BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIESS KY |
| Property Address | 4580 FIELDS RD, OWENSBORO, KY 42303-2653 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001512/295 |
|---|---|
| Date | Jun 21, 2006 |
| Book Page | 1512/295 |
| Instrument | 0010894 |
| Name | US BANK NA ND |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 8, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIESS KY |
| Property Address | 4580 FIELDS RD, OWENSBORO, KY 42303-2653 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE LL |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001767/001 |
|---|---|
| Date | Aug 27, 2010 |
| Book Page | 1767/001 |
| Instrument | 2010-01323698 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 265 Months |
| Due | Sep 1, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DAVIESS KY |
| Recording Date | May 27, 2005 |
| Property Address | 4580 FIELDS RD, OWENSBORO, KY 42303-2653 |
| Document Number | 000800/032 |
| Book / Page | 0800 / 032 |
| Instrument Date | May 25, 2005 |
| Instrument | 2005-00009026 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 813 CANTERBURY RD, OWENSBORO, KY 42303-6412 |
| Name | Verified Name |
|---|---|
| Address | 4580 FIELDS RD, OWENSBORO, KY 42303-2653 |
| Investor | Possibly a Property Investor |
| Document Number | 001429/072 |
|---|---|
| Date | May 27, 2005 |
| Book Page | 1429/072 |
| Instrument | 2005-00009027 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.59% |
| Type Change Date | Jun 1, 2010 |
| Change Frequency | Annually |
| Min Rate At Change | 5.59% |
| Max Rate At Change | 21% |
| Index | 1-Year LIBOR |
| Max Rate | 21% |
The 2025 property tax bill for 4580 Fields Rd was $3,863.
Source: Daviess County assessment roll, as of May 8, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Daviess County |
| Unified School District | Daviess County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $374,800 (-) | $374,800 (-) | |
| 2025 | $3,863.00 | $374,800 Land $37,500 Building $337,300 | $374,800 Land $37,500 Building $337,300 |
| 2023 | $311,200 | $311,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4580 Fields Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Most Recent Claim | May 2016 · rainfall accumulation |
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 4580 Fields Rd 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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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