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3765 Locust Hill Dr E, Owensboro, KY, 42303

3beds
2baths
2,144sqft
$309,900
$145price/sqft
$2,225/moest. monthly cost
$89,000/yrincome needed

About This Home

Welcome home to this 3 bedroom, 2 full bath property in eastern Daviess County! Situated on approximately half an acre, this home offers space both inside and out. You’ll love the two separate family areas — perfect for entertaining, relaxing, or creating a flexible home office or play space — plus a cozy fireplace. New roof and gutters. The primary suite features a walk-in closet and a private bathroom with a separate shower and tub for unwinding at the end of the day. Wood floors add warmth and character to the bedrooms, and the separate laundry room with utility sink provides everyday convenience. Outside, you’ll find a 2-car attached garage and a 24x28 workshop with electricity — ideal for hobbies, projects, or extra storage. This one checks all the boxes for comfort, function, and room to grow! Electric charging station does not stay.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
9/10
7/10

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Block

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Dining Area

Features

  • Walk-In Closet(s),Walk-in Shower
  • Flooring: Carpet,Tile
  • Fireplace features: Fireplace
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 2,144

Heating & Cooling

  • Heating features: Fireplace(s),Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,144
  • Total interior livable area: 2,144 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 074C00006900000

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.61 Acres
  • Features: Level
  • Lot size dimensions: 106 x 250

Parking

  • Total spaces: 2
  • Parking features: Attached,Other,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
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,567$18,804
Home Insurance *$216$2,592
Property Taxes $273$3,276
Electricity $169$2,031
Total$2,225$26,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,285/yr
40% on housing$66,750/yr
45% on housing$59,333/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

$145This 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
2026-04-16Price change$314,900
2026-03-17Price change$319,900
2026-03-10Price change$329,900
2026-02-24Listed for sale$349,900
2024-04-18Sold$306,000
2024-04-05Pending sale$315,000
2023-11-13Listed for sale$315,000
2020-06-16Sold$206,500
2020-01-02Price change$230,000
2019-07-18Listed for sale$239,000
2018-12-31Sold$223,000
2018-09-28Price change$229,900
2018-09-07Price change$239,000
2018-08-14Listed for sale$244,900
1990-05-01Sold$59,900

For Sale by Agent

AgentConnie L Barnett
BrokerageBHG Realty

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