Daviess County property record for 409 W Harmons Ferry Rd, Calhoun, KY 42327
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,688 sqft · built 1999 |
| Lot Size | 8.73 acres (380,366 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,254 (2025) |
| Deeds & Mortgages | Sep 2005 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-059-02-000 |
| Primary APN | 059-00-00-059-02-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,688 sqft Living Area |
| Gross Area | 1,344 sqft |
| Basement Area | 1,344 sqft |
| Unfinished Basement | 1,344 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 380,366 sqft (8.73 acres) |
| Garage Type | Mixed |
| Garage Area | 1,176 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 409 W HARMONS FERRY RD |
|---|---|
| City | CALHOUN |
| State | KY |
| Zip | 42327-9402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 409 HARMONS FERRY RD W |
| Jurisdiction | DAVIESS KY |
| Township / Civil Division | UTICA-STANLEY |
| Census Block Group | 3 |
| Census Block | 3049 |
| Census Tract | 1703 |
Source: Daviess County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 W HARMONS FERRY RD, CALHOUN, KY 42327-9402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIESS KY |
| Property Address | 409 W HARMONS FERRY RD, CALHOUN, KY 42327-9402 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001456/612 |
|---|---|
| Date | Sep 26, 2005 |
| Book Page | 1456/612 |
| Instrument | 2005-00016978 |
| Name | INDEPENDENCE BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, KY 42352 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 96 Months |
| Due | Sep 25, 2013 |
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 |
|---|---|---|---|
| 2026 | $315,800 (-) | $315,800 (-) | |
| 2025 | $3,254.00 | $315,800 (+14.96%) Land $52,500 Building $263,300 | $315,800 (+14.96%) Land $52,500 Building $263,300 |
| 2023 | $274,700 | $274,700 |
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 |
| Flood Insurance Cost | Premium on Record 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 |
|
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 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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