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Claim or joinCondo / COA · OWENSBORO, KY
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See also the Kentucky Condominium Act (KRS Ch. 381).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · FHA condo approval records
Relatively High composite risk for this neighborhood area · 93rd percentile of KY neighborhood areas
19 federal disaster declarations for this county, including 1 hurricane, most recent Jan 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · OWENSBORO, CITY OF
CRS class 7: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 42303
2020 +5.6% · 2021 +9.1% · 2022 +17.3% · 2023 +4.0% · 2024 +3.1% · 2025 +6.9%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
0% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Most recent significant event in Daviess County: Flood, Jul 18, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Daviess County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 42303 · 2022
Average premium changed -3.2% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
84 Lumber Company, Limited Partnership
Florence, KY
Abel Construction Company INC
Louisville, KY
Air 24/7, LLC
Union, KY
All-in-One Security, INC.
Mount Washington, KY
Amteck LLC
Owingsville, KY
Anderson & Rodgers Construction, INC.
Lawrenceburg, KY
Verified vendor companies serving Daviess County, KY. Listing only, not an endorsement.
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Cross-referenced public records
On file as THE GARDENS OF HEARTLAND
Principal address · Legal name · Type
Filed as shown; displayed as The Gardens of Heartland
Geocoded from the address on file
Map location
Geocoded 2026-06-06
Public record
1 linked public record
Names are shown in title case for readability. The string above is the name on file, unchanged.
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