314 Ben Ford Rd, Utica, KY 42376 Property Records

Daviess County property record for 314 Ben Ford Rd, Utica, KY 42376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,002 sqft · built 1992
Lot Size	6.15 acres (267,894 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Mar 2017)
Tax Bill	$3,142 (2025)
Deeds & Mortgages	Jan 2011 Mortgage Aug 2007 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`058-00-00-005-00-000`

Property Details

APN / Parcel Number

Primary APN	`058-00-00-005-00-000`
Alternative APN	`2259373`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,002 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	267,894 sqft (6.15 acres)
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Geothermal

Location & Zoning

Street Address	314 BEN FORD RD
City	UTICA
State	KY
Zip	42376-9726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	314 BEN FORD RD
Jurisdiction	DAVIESS KY
Township / Civil Division	UTICA-STANLEY
Census Block Group	3
Census Block	3031
Census Tract	1703

Owner

314 Ben Ford Rd is owned and occupied by two individuals who bought it in March 2017.

Source: Daviess County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 BEN FORD RD, UTICA, KY 42376-9726
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2011	Deed of Trust, Mortgage INDEPENDENCE BANK OF KENTUCKEY
Aug 6, 2007	Deed of Trust, Mortgage OLD NATIONAL BANK
Jan 11, 2007	Deed of Trust, Mortgage FARM CREDIT SERVICES OF MID AMERICA ACA
Oct 8, 2007	Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2017 · Amount on File
Deed Sale	Mar 1, 2017 · Amount on File
Record Updated	Oct 29, 2026

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	314 BEN FORD RD, UTICA, KY 42376-9726
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001794/737
Date	Jan 10, 2011
Book Page	1794/737
Instrument	1343000

Lender

Name	INDEPENDENCE BANK OF KENTUCKEY
Address	HENDERSON, KY 42420

Agreement

Amount	Amount on Record
Term	59 Months
Due	Dec 23, 2015

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	314 BEN FORD RD, UTICA, KY 42376-9726
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001591/551
Date	Aug 6, 2007
Book Page	1591/551
Instrument	2007-00013256

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	OWENSBORO, KY 42303

Agreement

Amount	Amount on Record
Term	179 Months
Due	Jul 30, 2022

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	314 BEN FORD RD, UTICA, KY 42376-9726
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001551/641
Date	Jan 11, 2007
Book Page	1551/641
Instrument	2007-00000503

Lender

Name	FARM CREDIT SERVICES OF MID AMERICA ACA
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40232

Agreement

Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2027

October 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Oct 8, 2007
Property Address	314 BEN FORD RD, UTICA, KY 42376-9726
Document Number	000839/443
Book / Page	0839 / 443
Map Reference	MB12 PG24
Instrument Date	Oct 5, 2000
Instrument	200700016991
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 BEN FORD RD, UTICA, KY 42376-9726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 W HARMONS FERRY RD, CALHOUN, KY 42327-9409

Mortgage

Document Number	001603/520
Date	Oct 8, 2007
Book Page	1603/520
Instrument	2007-00016992

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 314 Ben Ford Rd was $3,142.

Source: Daviess County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Daviess County
Unified School District	Daviess County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$321,700 (+5.51%)	$321,700 (+5.51%)
2025	$3,142.00	$304,900 Land $40,000 Building $264,900	$304,900 Land $40,000 Building $264,900
2023		$304,900	$304,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 314 Ben Ford Rd in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1995.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	27 (1995–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 4 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 8 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 claims

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.

Wildfire

Wildfire risk around 314 Ben Ford Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DAVIESS CO WATER DISTRICT serves 33,655 people · EPA ID KY0300387
Water Source	Purchased groundwater from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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