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10835 Jackson Rd N, Utica, KY, 42376

4beds
3baths
3,600sqft
$599,900
$167price/sqft
$4,185/moest. monthly cost
$167,400/yrincome needed

About This Home

The home is located in Daviess County, Kentucky! It is less than 10 miles from Owensboro. Custom built in 2018 located on 3.5 acres. The home has 4 beds, 2.5 bath, office, fully finished basement, walk in pantry, large laundry room, whole house generator, instant hot water heater, oversized 2 car garage, pole barn with lean to, barn with 2 acres fenced, pool with deck, & beautiful back patio.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

8/10
4/10
7/10
Apollo High SchoolGrades 9-127.7 mi

Construction

Condition

  • Year built: 2018

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Propane / Butane,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,600 sqft

Property

Details

  • Parcel number: 052000001801000

Features

  • Exterior features: Shingle,Brick,Cement / Concrete
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 3 Acres

Parking

  • Parking features: Garage - Attached,Garage - Detached

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Ice Storm
Strong Wind
Tornado
Winter Weather
Cold Wave
Drought
Earthquake
Hail

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,033$36,396
Home Insurance *$401$4,812
Property Taxes $467$5,604
Electricity $284$3,411
Total$4,185$50,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,485/yr
40% on housing$125,550/yr
45% on housing$111,600/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 25.0%
25.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 42376$137
Daviess County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 42376$164
Daviess County$139

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-07Price change$725,000
2026-04-19Listed for sale$750,000

For Sale by Owner

AgentProperty Owner

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