515 E 7th St, Owensboro, KY 42303 Property Records

Daviess County property record for 515 E 7th St, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,019 sqft · built 2004
Lot Size	0.072 acres (3,132 sqft)
Owner	Individual Name on File
Last Sale	$67,500 (Jun 2015)
Tax Bill	$224 (2025)
Deeds & Mortgages	Jan 2007 Line of Credit Sep 2009 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-04-03-017-00-000`

Property Details

APN / Parcel Number

Primary APN	`001-04-03-017-00-000`
Alternative APN	`0024697`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,019 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,132 sqft (0.072 acres)
Lot Dimensions	116 ft deep x 27 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	515 E 7TH ST
City	OWENSBORO
State	KY
Zip	42303-3508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	515 E 7TH ST
Jurisdiction	DAVIESS KY
Township / Civil Division	OWENSBORO
Census Block Group	1
Census Block	1038
Census Tract	300

Owner

515 E 7th St is owned and occupied by an individual who bought it in June 2015.

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

Owner of Record	Individual Name on File
Mailing Address	515 E 7TH ST, OWENSBORO, KY 42303-3508
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

Date	Document
Jan 22, 2007	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 10, 2009	Deed, Transfer · FHA Mortgage SHELTER MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2015 · Amount on File
Deed Sale	Jun 1, 2015 · Amount on File
Record Updated	Oct 29, 2026

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	515 E 7TH ST, OWENSBORO, KY 42303-3508
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001553/102
Date	Jan 22, 2007
Book Page	1553/102
Instrument	2007-00001051

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 5, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Sep 10, 2009
Property Address	515 E 7TH ST, OWENSBORO, KY 42303-3508
Document Number	000865/875
Book / Page	0865 / 875
Instrument Date	Sep 4, 2009
Instrument	200900014402
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	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 E 7TH ST, OWENSBORO, KY 42303-3508

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	515 E 7TH ST, OWENSBORO, KY 42303-3508

Mortgage

Document Number	001717/256
Date	Sep 10, 2009
Book Page	1717/256
Instrument	2009-00014403

Lender

Name	SHELTER MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	DALLAS, TX 75248

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 515 E 7th St was $224.

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	Owensboro Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,400 (+28%)	$86,400 (+28%)
2025	$224.00	$67,500 Land $10,000 Building $57,500	$67,500 Land $10,000 Building $57,500
2023		$67,500 (-)	$67,500 (-)
2022	$762.00	$67,500	$67,500

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

Flood

FEMA maps place 515 E 7th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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	2 (1980–1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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

The area around 515 E 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Owensboro Municipal Utilities, T-Mobile.

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