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3423 Man O War Loop N, Owensboro, KY, 42303

3beds
2baths
1,390sqft
$249,000
$179price/sqft
$1,732/moest. monthly cost
$69,280/yrincome needed

About This Home

Home for sale! Perfect for growing families, first-time homebuyers, or investors, this charming home is full of potential! New roof in 2025, new hvac in 2025, and newer appliances! This well-maintained 3-bedroom, 2-bath brick home features a 2-car garage and is nestled in a highly sought-after, family-friendly neighborhood just off Hwy 54. With a newer roof, HVAC system, and appliances, you can move in with confidence knowing these major updates have already been taken care of. Step outside to enjoy a private backyard with a spacious brick patio, perfect for entertaining family and friends or simply relaxing after a long day. Conveniently located near shopping, dining, and excellent schools, this home offers the perfect combination of comfort, convenience, and opportunity. Whether you're looking for your first home, room for a growing family, or a great investment property, this home is ready for you to move in or add your personal touch. Don't miss your chance to make this wonderful home your own, schedule your showing today!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

8/10
9/10
7/10

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: brick

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,390 sqft

Property

Details

  • Parcel number: 074E00012500000

Features

  • Exterior features: Brick

Lot

  • Lot size: 0.29 Acres

Parking

  • Parking features: Garage - Attached,Off-street

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 $1,259$15,108
Home Insurance *$173$2,076
Property Taxes $146$1,752
Electricity $154$1,850
Total$1,732$20,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,382/yr
40% on housing$51,960/yr
45% on housing$46,186/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

$179This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Price change$244,900
2026-08-02Price change$249,000
2026-06-30Listed for sale$264,900
1992-05-01Sold$98,000

For Sale by Owner

AgentProperty Owner

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