4448 State Rte 554, Utica, KY 42376 Property Records

Daviess County property record for 4448 State Rte 554, Utica, KY 42376

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 2 ba · 2,699 sqft · built 2005
Lot Size	21.5 acres (936,540 sqft)
Owner	Individual Name on Record
Tax Bill	$1,876 (2025)
Deeds & Mortgages	Jun 2005 Construction Loan Aug 2007 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-00-00-044-00-000`

Property Details

APN / Parcel Number

Primary APN	`034-00-00-044-00-000`
Alternative APN	`2252166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,699 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	936,540 sqft (21.5 acres)
Porch	Slab
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4448 STATE ROUTE 554
City	UTICA
State	KY
Zip	42376-9748
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	4448 HWY 554
Jurisdiction	DAVIESS KY
Township / Civil Division	UTICA-STANLEY
Census Block Group	3
Census Block	3064
Census Tract	1800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4448 STATE ROUTE 554, UTICA, KY 42376-9748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2005	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK OF OWENSBORO INC
Aug 1, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK OF OWENSBORO INC
May 30, 2008	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK OF OWENSBORO INC
Sep 8, 2008	Joint Tenancy Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	4448 STATE ROUTE 554, UTICA, KY 42376-9748
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001436/081
Date	Jun 28, 2005
Book Page	1436/081
Instrument	2005-00011030

Lender

Name	FIRST SECURITY BANK OF OWENSBORO INC
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 20, 2006

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	4448 STATE ROUTE 554, UTICA, KY 42376-9748
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001590/763
Date	Aug 1, 2007
Book Page	1590/763
Instrument	2007-00013015

Lender

Name	FIRST SECURITY BANK OF OWENSBORO INC
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2022

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIESS KY
Property Address	4448 STATE ROUTE 554, UTICA, KY 42376-9748
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001642/903
Date	May 30, 2008
Book Page	1642/903
Instrument	2008-00008620

Lender

Name	FIRST SECURITY BANK OF OWENSBORO INC
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2023

September 2008: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	DAVIESS KY
Recording Date	Sep 8, 2008
Property Address	4448 STATE ROUTE 554, UTICA, KY 42376-9748
Document Number	000852/483
Book / Page	0852 / 483
Instrument Date	Aug 26, 2008
Instrument	200800014890
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4448 STATE ROUTE 554, UTICA, KY 42376-9748

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	611 FREDERICA ST, OWENSBORO, KY 42301-3017

Tax Assessment & Valuation

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		$231,200 (-)	$345,900 (-)
2025	$1,876.00 Homeowner's exemption	$231,200 (+6.59%) Land $14,300 Building $216,900	$345,900 (+28.64%) Land $129,000 Building $216,900
2023		$216,896	$268,900

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

Flood

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
Nearby Flood Claims	3 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 3 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

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.

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on State Rte 554

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures