Do you need room for your growing family? If the answer is, ?YES!?, then, you must see this 4 bedroom, 2 bath home with finished, walk-out basement on Owensboro's West side. Located downstairs, you'll find sanctuary in the master bedroom with full bath & bonus room. Attractive, luxurious hardwood / vinyl plank flooring have been installed. For peace of mind, the HVAC, appliances, plumbing, electric box, utility room & sump pump have been recently updated. You'll find even more space in the 3 car, metal garage for a "man-cave" or "she-shed". This updated home won't last so contact the agent for your personal tour! Professional pictures coming soon!
Single-familyProperty Type
1961Year Built
8,176 sq ftLot Size
$122Est. Price/Sq.Ft.
3 car garageParking
Listed by M. Tyler Matthews• Greater Owensboro Realty Co.
Two story house with good bones needing some TLC to make it your own or a great flipper. Over 1,800 Sq. Ft. , 3 B. R. , 1 bath with room on the lower level to add another bath and bedroom or more. The roof is approximately 5 years old with new gutters. New replacement windows throughout. New wood flooring and vinyl in bathroom with new plumbing that extends to the newer hot water heater in the lower level. Original hardwood flooring beneath carpet on upper level. (There is a section of carpet in the first B. R. on left that can be lifted to see hardwood flooring). Central heat and air with additional wood burning stove on lower level connected to the duct work that will heat entire house if needed. Large detached garage. Large deck in back, smaller deck in front. (Please be careful on back deck as there are several loose boards). Personal prop. excluded from sale. Grab this fixer upper now!!
Year
Property tax
Land + Additions
Assessment*
2025
$584 (−3.3%)
2024
$603 (−2.3%)
2023
$617 (−55.1%)
2022
$1,374 (−0.6%)
2021
$1,383 (+0.9%)
2020
$1,371 (−98.7%)
2019
$105,158 (+11,808.3%)
2018
$883 (+0.5%)
2017
$879 (+0.3%)
2016
$876 (+89.6%)
2015
$462 (−2.7%)
2014
$475
Tax history for 644 Carter Rd
Year
Property tax
Land + Additions
Assessment*
2025
$584 (−3.3%)
2024
$603 (−2.3%)
2023
$617 (−55.1%)
2022
$1,374 (−0.6%)
2021
$1,383 (+0.9%)
2020
$1,371 (−98.7%)
2019
$105,158 (+11,808.3%)
2018
$883 (+0.5%)
2017
$879 (+0.3%)
2016
$876 (+89.6%)
2015
$462 (−2.7%)
2014
$475
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
3
Baths
1
Stories
1
Lot width
56 ft.
Lot depth
146 ft.
Lot size
8,176 Sq. Ft.
Year renovated
—
Sq. Ft.
1,872
Year built
1961
Style
Single Family Residential
County
Daviess County
APN
006-13-06-012-00-000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 23, 2026.
R-1C
Single Family Detached Residential Zone
The single family residential zones are established to provide primarily for single family detached residences and supporting uses for urban areas of Daviess County. They include the following zones: R-1C Residential, new zone derived from the single family requirements of the original R-3 Zone
Permitted uses
Include but are not limited to:
Housing-Single unit
Housing-Senior
Property details
Parking
Parking/Garage Information
Has Garage
# of Garage Spaces: 3
Parking Features: Concrete
Interior
Virtual Tour
Bathroom Information
# of Full Bathrooms: 2
Heating & Cooling
Has Cooling
Cooling: Ceiling Fan(s)
Has Heating
Heating: Forced Air
Interior Features
Interior Features: Kitchen Island
Appliances: Dishwasher, Range, Refrigerator, Gas Water Heater
Flooring: Hardwood, Vinyl, Wood
Room Information
Has Basement
Basement Details: Finished, Walk-Out Access
Exterior
Exterior Features
Patio And Porch Features: Deck, Porch
Fencing: Fenced
Roof: Composition
Building Information
Above Grade Finished Area: 936
Below Grade Finished Area: 936
Construction Materials: Vinyl Siding
Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Raw Mls Property Sub Type: Single Family Residence
Lot Information
Lot Features: Level
Lot Size : 56x146
Utilities
Utility Information
Water Source: Public
Utilities: Cable Available, Natural Gas Available
Sewer: Public Sewer
Location
Schools Information
Elementary School: Cravens Elementary School
Middle Or Junior School: Owensboro Middle School
High School: OWENSBORO HIGH SCHOOL
Location Information
Subdivision Name: SCOTTISH HEIGHTS
Public facts
Beds: 3
Baths: 1.0
Sq. Ft.: 1,872
Stories: 1.0
Lot Size: 8,176 square feet
Style: Single Family Residential
Year Built: 1961
Year Renovated: —
County: Daviess County
APN: 006-13-06-012-00-000
Home facts updated by county records on Sep 23, 2026
Other
Listing Information
AttributionContact: 270-302-7485
Around this home
Schools
Cravens Elementary School
Public K-5 • Assigned • 0.2mi
4/10
Owensboro Middle School North
Public 6-8 • Assigned • 2.0mi
3/10
Owensboro High School
Public 9-12 • Assigned • 2.2mi
6/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
5/10 Heat Factor
7 days above 108° expected this year, 19 days in 30 years
2/10 Wind Factor
3% chance of strong winds in next 30 years
3/10 Air Factor
2 unhealthy days expected this year, 3 days in 30 years
Provided by First Street
Historical weather
Owensboro, KY • 42301
Average low and high temperatures (°F)
38
22
48
30
66
44
73
53
75
59
85
68
89
72
85
66
84
61
73
51
58
43
47
33
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 10.1 hours in
June and 4 hours in December, which is comparable to the
U.S. average for solar exposure.
10.1 hrs
4 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$217,000 – $263,000
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