Daviess County property record for 185 E Harmons Ferry Rd, Utica, KY 42376
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,232 sqft · built 1978 |
| Lot Size | 5.26 acres (229,126 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $116,000 (Jun 2020) |
| Tax Bill | $1,256 (2025) |
| Deeds & Mortgages | May 2026 Sale & Construction Loan Jul 2006 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-00-005-00-000 |
| Primary APN | 060-00-00-005-00-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 229,126 sqft (5.26 acres) |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 185 E HARMONS FERRY RD |
|---|---|
| City | UTICA |
| State | KY |
| Zip | 42376-9309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 185 HARMONS FERRY RD E |
| Jurisdiction | DAVIESS KY |
| Township / Civil Division | UTICA-STANLEY |
| Census Block Group | 2 |
| Census Block | 2079 |
| Census Tract | 1703 |
Source: Daviess County records, as of May 8, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 185 E HARMONS FERRY RD, UTICA, KY 42376-9309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed, Transfer · Construction Mortgage LIBERTY FEDERAL CREDIT UNION |
| Jul 6, 2006 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2020 · Amount on Record |
| Deed Sale | Jun 10, 2020 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DAVIESS KY |
| Recording Date | May 5, 2026 |
| Property Address | 185 E HARMONS FERRY RD, UTICA, KY 42376-9309 |
| Instrument Date | May 1, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2026 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 E HARMONS FERRY RD, UTICA, KY 42376-9309 |
| Date | May 5, 2026 |
|---|
| Name | LIBERTY FEDERAL CREDIT UNION |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DAVIESS KY |
| Recording Date | Jul 6, 2006 |
| Property Address | 185 E HARMONS FERRY RD, UTICA, KY 42376-9309 |
| Document Number | 000819/274 |
| Book / Page | 0819 / 274 |
| Instrument Date | Jun 26, 2006 |
| Instrument | 00011711 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 E HARMONS FERRY RD, UTICA, KY 42376-9309 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 185 E HARMONS FERRY RD, UTICA, KY 42376-9309 |
Source: Daviess County assessment roll, as of May 8, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Daviess County |
| Unified School District | Daviess County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,256.00 | $121,900 (+5.09%) Land $42,500 Building $79,400 | $121,900 (+5.09%) Land $42,500 Building $79,400 |
| 2023 | $116,000 | $116,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 31, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 17 (1989–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH MCLEAN CO WATER DISTRICT serves 2,934 people · EPA ID KY0300320 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Sep 2020 |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
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