106 W 20th St, Owensboro, KY, 42303
About This Home
Step into this beautifully refreshed 3-bedroom, 1.5-bath home that blends comfort, style, and convenience within a well-designed 974 sq ft layout. Inside, you'll find durable LVT flooring throughout, complemented by a brand-new roof and low-maintenance vinyl siding, making this home truly move-in ready. Relax on the inviting front porch, perfect for morning coffee or winding down in the evening. The backyard offers a privacy fence and ample space for entertaining or enjoying the outdoors. Ideally situated just a short distance from the public library and lively downtown, you'll have easy access to local shops, dining, parks, and community events. Whether you're a first-time buyer, looking to downsize, or adding to your investment portfolio, this home delivers exceptional value in a prime location. Schedule your showing today!
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1930
Materials
- Foundation: Crawl Space
- Roof: Composition
- Construction materials: Vinyl Siding
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
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- None
- Flooring: Laminate
- Fireplace features: None
- Attic: Access Only
- Finished area below ground: 0
- Finished area above ground: 974
Heating & Cooling
- Heating features: Forced Air,Electric
- Cooling features: Ceiling Fan(s)
Interior Area
- Total structure area: 974
- Total interior livable area: 974 sqft
Kitchen
- Features: Eat-in Kitchen
Property
Details
- Parcel number: 003010601700000
Features
- Levels: One
- Stories: 1
- Fencing: Fenced
Lot
- Lot size: 6,960 sqft
- Features: Level
- Lot size dimensions: 48 x 145
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 | $958 | $11,496 |
| Home Insurance * | $132 | $1,584 |
| Property Taxes | $164 | $1,968 |
| Electricity | $154 | $1,850 |
| Total | $1,408 | $16,896 |
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 |
|---|---|---|
| 2026-04-30 | Listed for sale | $192,500 |
| 2025-10-03 | Sold | $179,000 |
| 2025-08-14 | Pending sale | $177,400 |
| 2025-08-01 | Price change | $177,400 |
| 2025-07-21 | Listed for sale | $179,900 |
| 2021-06-04 | Sold | $130,000 |
| 2021-05-02 | Listed for sale | $134,900 |
| 2021-03-30 | Listing removed | -- |
| 2021-03-16 | Price change | $129,900 |
| 2021-03-15 | Listed for sale | $139,900 |
| 2003-05-01 | Sold | $63,950 |
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