303 E 20th St, Owensboro, KY, 42303
About This Home
Step into this beautifully updated 3-bedroom, 2-bath home offering the perfect blend of comfort, style, and convenience. Centrally located in Owensboro, this property provides easy access to shopping, dining, and local amenities while still offering an updated retreat to call home. Inside, you’ll love the tall ceilings that create an open, airy feel throughout the main living spaces. The updated bathrooms add a modern touch, while the thoughtfully designed layout ensures both functionality and flow. A versatile bonus space offers endless possibilities—perfect for a home office or playroom. The full unfinished dry basement provides ample storage or the opportunity to expand and customize to suit your needs. Outside, enjoy a partially fenced yard ideal for pets or outdoor entertaining, along with a paved driveway for added convenience. This move-in-ready home combines updates, space, and a prime location—making it a must-see!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1933
Materials
- Foundation: Basement
- Roof: Dimensional
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- 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: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Master Downstairs,Split Bedroom
- Flooring: Carpet,Laminate
- Fireplace features: Gas Log
- Fireplace: Yes
- Attic: Access Only
- Finished area below ground: 0
- Finished area above ground: 2,016
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Electric
Interior Area
- Total structure area: 2,912
- Total interior livable area: 2,016 sqft
Kitchen
- Features: Eat-in Kitchen
Master Bedroom
- Level: First
Property
Details
- Parcel number: 003020101000000
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch
- Fencing: Fenced
Lot
- Lot size: 5,687 sqft
- Features: Level
- Lot size dimensions: 47 x 121
Parking
- Parking features: Concrete
- 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
- Earthquake
- Inland Flooding
- Ice Storm
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Heat Wave
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,061 | $12,732 |
| Home Insurance * | $146 | $1,752 |
| Property Taxes | $194 | $2,328 |
| Electricity | $159 | $1,910 |
| Total | $1,560 | $18,720 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-13 | Price change | $234,900 |
| 2026-05-04 | Listed for sale | $249,900 |
| 2025-08-19 | Sold | $205,000 |
| 2025-07-15 | Pending sale | $209,900 |
| 2025-07-06 | Listed for sale | $209,900 |
| 2023-05-10 | Sold | $187,000 |
| 2023-03-08 | Pending sale | $199,000 |
| 2023-02-18 | Price change | $199,000 |
| 2023-01-09 | Listed for sale | $210,000 |
| 2009-06-04 | Sold | $79,900 |
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