6170 Sutter Loop W, Owensboro, KY 42303 Property Records

Daviess County property record for 6170 Sutter Loop W, Owensboro, KY 42303

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1982
Lot Size	0.24 acres (10,455 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,137 (2025)
Deeds & Mortgages	Apr 2007 Mortgage Apr 2011 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`086A0002600000`

Property Details

APN / Parcel Number

Primary APN	`086A0002600000`
Alternative APNs	`086-A0-00-026-00-000` `2245454`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,036 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,455 sqft (0.24 acres)
Lot Dimensions	123 ft deep x 85 ft wide
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	6170 SUTTER LOOP W
City	OWENSBORO
State	KY
Zip	42303-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6170 SUTTER LP W
Legal Subdivision	WRIGHT ACRES
Legal Lot Number	26
Jurisdiction	DAVIESS KY
Township / Civil Division	WHITESVILLE-PHILPOT
Census Block Group	2
Census Block	2001
Census Tract	1402

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	6170 SUTTER LOOP W, OWENSBORO, KY 42303-9745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2007	Deed of Trust, Mortgage · ARM FIRST NLC FINANCIAL SERVICES LLC
Apr 4, 2011	Deed of Trust, Mortgage · FHA Mortgage FIRST LIBERTY FINANCIAL GROUP LLC
Feb 7, 2005	Deed, Transfer · ARM DECISION ONE MORTGAGE CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	6170 SUTTER LOOP W, OWENSBORO, KY 42303-9745
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001568/972
Date	Apr 18, 2007
Book Page	1568/972
Instrument	2007-00006200

Lender

Name	FIRST NLC FINANCIAL SERVICES LLC
Type	Subprime Lender
Address	DEERFIELD BEACH, FL 33441

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Type Change Date	May 1, 2010
Change Frequency	6 Months
Min Rate At Change	8.75%
Max Rate At Change	10.7%
Index	6-Month LIBOR
Max Rate	15.7%

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	6170 SUTTER LOOP W, OWENSBORO, KY 42303-9745
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001806/917
Date	Apr 4, 2011
Book Page	1806/917
Instrument	1361005

Lender

Name	FIRST LIBERTY FINANCIAL GROUP LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2041

February 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Feb 7, 2005
Property Address	6170 SUTTER LOOP W, OWENSBORO, KY 42303-9745
Document Number	000795/206
Book / Page	0795 / 206
Map Reference	MB8 PG125
Instrument Date	Dec 23, 2004
Instrument	2005-00001989
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	LIBERTY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9360 STATE ROUTE 951, PHILPOT, KY 42366-8903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6170 SUTTER LOOP, OWENSBORO, KY 42303-9745
Investor	Possibly a Property Investor

Mortgage

Document Number	001404/331
Date	Feb 7, 2005
Book Page	1404/331
Instrument	2005-00001990

Lender

Name	DECISION ONE MORTGAGE CO LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28287

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Dec 22, 2034

Interest

Rate Type	Adjustable Rate
Rate	7.64%
Type Change Date	Dec 22, 2006
Change Frequency	6 Months
Min Rate At Change	7.64%
Max Rate At Change	10.6%
Index	6-Month LIBOR
Max Rate	13.6%

Tax Assessment & Valuation

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		$133,000 (+20.47%)	$133,000 (+20.47%)
2025	$1,137.00	$110,400 (-) Land $20,000 Building $90,400	$110,400 (-) Land $20,000 Building $90,400
2023		$110,400	$110,400

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2018–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 124 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

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sutter Loop W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures