3485 State Rte 140 E, Utica, KY 42376 Property Records

Daviess County property record for 3485 State Rte 140 E, Utica, KY 42376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,520 sqft · built 1947
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jun 2021)
Tax Bill	$1,906 (2025)
Deeds & Mortgages	Apr 2005 Second Mortgage Jan 2010 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093-00-00-008-00-000`

Property Details

APN / Parcel Number

Primary APN	`093-00-00-008-00-000`
Alternative APN	`2256975`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,520 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3485 STATE ROUTE 140 E
City	UTICA
State	KY
Zip	42376-9573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3485 HWY 140 E
Jurisdiction	DAVIESS KY
Township / Civil Division	UTICA-STANLEY
Census Block Group	2
Census Block	2025
Census Tract	1703

Owner

3485 State Rte 140 E is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3485 STATE ROUTE 140 E, UTICA, KY 42376-9573
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
Apr 21, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DECISION ONE MORTGAGE CO LLC
Jan 6, 2010	Deed, Transfer
Nov 20, 2008	Special Warranty Deed, Transfer INDEPENDENCE BANK
Apr 21, 2005	Deed, Transfer · ARM DECISION ONE MORTGAGE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2021 · Amount on File
Deed Sale	Jun 16, 2021 · Amount on File
Record Updated	Oct 29, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	3485 STATE ROUTE 140 E, UTICA, KY 42376-9573
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001420/424
Date	Apr 21, 2005
Book Page	1420/424
Instrument	2005-00006587

Lender

Name	DECISION ONE MORTGAGE CO LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28287

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 4, 2020

January 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Jan 6, 2010
Property Address	3485 STATE ROUTE 140 E, UTICA, KY 42376-9573
Document Number	000870/719
Book / Page	0870 / 719
Instrument Date	Jan 5, 2010
Instrument	201000000213
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3300 MAJESTIC PRINCE DR, OWENSBORO, KY 42303-2437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3781 S HAMPTON RD, PHILPOT, KY 42366-9027

November 2008: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DAVIESS KY
Recording Date	Nov 20, 2008
Property Address	3485 STATE ROUTE 140 E, UTICA, KY 42376-9573
Document Number	000855/295
Book / Page	0855 / 295
Map Reference	MB29 PG41
Instrument Date	Nov 16, 2008
Instrument	200800018810
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	$62.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 MAJESTIC PRINCE DR, OWENSBORO, KY 42303-2437

Mortgage

Document Number	001667/370
Date	Nov 20, 2008
Book Page	1667/370
Instrument	2008-00018811

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 14, 2018

April 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	DAVIESS KY
Recording Date	Apr 21, 2005
Property Address	3485 STATE ROUTE 140 E, UTICA, KY 42376-9573
Document Number	000798/268
Book / Page	0798 / 268
Map Reference	MB29 PG41
Instrument Date	Apr 4, 2005
Instrument	2005-00006568
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	PROGRESSIVE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 W 19TH ST, OWENSBORO, KY 42303-3760

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3485 KY 140 E, OWENSBORO, KY 42303

Mortgage

Document Number	001420/407
Date	Apr 21, 2005
Book Page	1420/407
Instrument	2005-00006569

Lender

Name	DECISION ONE MORTGAGE CO LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28287

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2035

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Type Change Date	Apr 1, 2007
Change Frequency	6 Months
Min Rate At Change	6.49%
Max Rate At Change	9.49%
Index	6-Month LIBOR
Max Rate	12.4%

Tax Assessment & Valuation

The 2025 property tax bill for 3485 State Rte 140 E was $1,906.

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		$243,000 (+31.35%)	$243,000 (+31.35%)
2025	$1,906.00	$185,000 Land $35,000 Building $150,000	$185,000 Land $35,000 Building $150,000
2023		$182,200	$182,200

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

Flood

FEMA maps place 3485 State Rte 140 E in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1989.

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	Severe Storms, Tornadoes, And Flooding, May 2011 · 4 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 3485 State Rte 140 E is low, with a 0.02% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OHIO COUNTY WATER DISTRICT serves 16,511 people · EPA ID KY0920332
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

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