Pending

$299,900

3983 Cross Creek Trl, Owensboro, KY 42303

3beds

1,991sqft

$2,016/mo

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Single Family Residence, Residential

Built in 2003

9,757 Square Feet Lot

$-- Zestimate^®

$151/sqft

$21/mo HOA

What's special

Cozy gas fireplaceLarge privacy-fenced yardCovered back porchFlexible floor planBonus roomPrimary suite

Welcome home to this spacious and well-maintained home in the desirable Cross Creek subdivision! Offering 3 bedrooms, 3 full baths, and nearly 2,000 sq. ft., this flexible floor plan also includes a bonus room. The open-concept living area features a cozy gas fireplace and flows seamlessly into the kitchen and dining space. The main level includes the primary suite, an additional bedroom and full bath, plus a true laundry room with plenty of storage. Upstairs you’ll find another bedroom, full bath, and the versatile bonus room. Recent updates include fresh paint throughout (2026), roof (2025), gutters (2026), and furnace and central air (2025). Outside, enjoy a covered back porch, large privacy-fenced yard, and a great location in Cross Creek.

39 days

91

1

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 3
Full bathrooms: 3

Primary bedroom

Level: First

Dining room

Features: Dining Area

Heating

Forced Air, Natural Gas

Cooling

Electric

Appliances

Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Gas Water Heater

Features

Ceiling Fan(s), Master Downstairs, Walk-In Closet(s), Walk-in Shower
Flooring: Tile, Laminate
Windows: Replacement Windows
Basement: None
Attic: Pull Down Stairs
Has fireplace: Yes
Fireplace features: Gas Log

Interior area

Total structure area: 1,991
Total interior livable area: 1,991 sqft
Finished area above ground: 1,991
Finished area below ground: 0

Property

Parking

Total spaces: 2
Parking features: Attached, Concrete
Attached garage spaces: 2
Has uncovered spaces: Yes

Features

Levels: One and One Half
Stories: 1
Patio & porch: Rear Porch
Fencing: Privacy

Lot

Size: 9,757 Square Feet
Dimensions: .224 Acre
Features: Level

Details

Parcel number: 003440101800000

Construction

Type & style

Home type: SingleFamily
Architectural style: Traditional
Property subtype: Single Family Residence, Residential

Materials

Brick, Vinyl Siding
Foundation: Slab
Roof: Dimensional

Condition

New construction: No
Year built: 2003

Utilities & green energy

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: Cross Creek

HOA

Has HOA: Yes
HOA fee: $250 annually

Location

Region: Owensboro

Financial & listing details

Price per square foot: $151/sqft
Tax assessed value: $229,900
Annual tax amount: $600
Date on market: 7/10/2026

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
7/15/2026	Pending sale	$299,900$151/sqft
Source: Greater Owensboro Realtor Association #95266 Report a problem
7/10/2026	Listed for sale	$299,900+30.4%$151/sqft
Source: Greater Owensboro Realtor Association #95266 Report a problem
3/20/2020	Sold	$229,900$115/sqft
Source: Greater Owensboro Realtor Association #78126 Report a problem
1/13/2020	Listed for sale	$229,900+2.2%$115/sqft
Source: TRIPLE CROWN REALTY GROUP, LLC #78126 Report a problem
11/29/2019	Listing removed	$224,900$113/sqft
Source: TRIPLE CROWN REALTY GROUP, LLC #77283 Report a problem
11/13/2019	Price change	$224,900-2.2%$113/sqft
Source: TRIPLE CROWN REALTY GROUP, LLC #77283 Report a problem
7/15/2019	Price change	$229,900-6.5%$115/sqft
Source: Owner Report a problem
6/30/2019	Listed for sale	$245,900$124/sqft
Source: Owner Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$600	$229,900
2023	--	$229,900
2022	--	$229,900
2021	--	$229,900 +59.5%
2020	$607 +59.5%	$144,100
2019	$380 -0.8%	$144,100
2018	$383 -80.1%	$144,100
2017	$1,926	$144,100
2016	$1,926	$144,100
2015	--	$144,100
2014	$374	$144,100 +2.9%
2010	--	$140,100

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

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Climate risks

Neighborhood: 42303

Getting around

11 / 100

Car-Dependent

24 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

8/10
Highland Elementary School
Grades: PK-5Distance: 1.7 mi
9/10
Daviess County Middle School
Grades: 6-8Distance: 2.1 mi
7/10
Daviess County High School
Grades: 9-12Distance: 0.5 mi

Schools provided by the listing agent

Elementary: Highland Elementary School
Middle: Daviess County Middle School
High: DAVIESS COUNTY HIGH SCHOOL

Source: Greater Owensboro Realtor Association. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.