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4423 Wilderness Trce, Owensboro, KY, 42303

5beds
4baths
4,616sqft
$654,900
$142price/sqft
$4,274/moest. monthly cost
$170,960/yrincome needed

About This Home

Stunning custom-built home offering 5 bedrooms, 3.5 baths, and luxury finishes throughout. From the moment you walk in, you’ll notice the attention to detail with tall ceilings, extensive crown molding, custom built-ins, and spacious living areas designed for both everyday living and entertaining. The kitchen offers abundant cabinetry, granite countertops, and multiple gathering spaces flowing into the main living area. The oversized primary suite features a spa-like bath and generous space to unwind. Downstairs, the custom bar area creates a true showpiece with an upscale speakeasy feel unlike anything else on the market. Step outside to a private retreat-style setting with wooded views, multiple outdoor living spaces, and peaceful surroundings that make this property feel tucked away while still being conveniently located. A rare combination of luxury, personality, and custom craftsmanship throughout.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

8/10
9/10
7/10

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Basement
  • Roof: Dimensional
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Gas Water Heater
  • Laundry features: W/D Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: Dining Area,Formal-Separate

Features

  • Ceiling Fan(s),Granite,Walk-In Closet(s),Walk-in Shower,Wet Bar
  • Window features: Window Treatments
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Fireplace,Gas Log
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 2,308
  • Finished area above ground: 2,308

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 4,616
  • Total interior livable area: 4,616 sqft

Kitchen

  • Features: Breakfast Area,Granite Counters,Kitchen Island,Bar

Property

Details

  • Parcel number: 003270103000000

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio,Front Porch
  • Exterior features: Sunroom
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 0.34 Acres
  • Features: Wooded,Landscaped
  • Lot size dimensions: 105 x 140

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Strong Wind
Winter Weather
Earthquake
Hail
Heat Wave
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,311$39,732
Home Insurance *$457$5,484
Property Taxes $142$1,704
Electricity $364$4,374
Total$4,274$51,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,537/yr
40% on housing$128,220/yr
45% on housing$113,973/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 25.0%
25.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 42303$148
Daviess County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 42303$151
Daviess County$139

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-10Price change$644,900
2026-07-06Price change$654,900
2026-06-07Price change$664,900
2026-05-17Listed for sale$674,900
2021-10-15Sold$540,000
2021-07-08Pending sale$535,000
2021-07-01Listed for sale$535,000

For Sale by Agent

AgentDevin Taylor
BrokerageeXp Realty, LLC

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