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2630 Dellwood Valley Ln, Utica, KY, 42376

4beds
3baths
2,562sqft
$344,900
$135price/sqft
$2,408/moest. monthly cost
$96,320/yrincome needed

About This Home

Room to Grow in This Spacious 4–5 Bedroom Home! A versatile bonus room with a closet gives you the flexibility of a fifth bedroom, office, or additional living space. This move-in ready, updated home in Deer Valley offers an open floor plan with spacious living areas, large bedrooms, and oversized closets throughout. With 3 full bathrooms, there’s plenty of room for family and guests. The kitchen flows seamlessly into the main living space, making it perfect for entertaining or everyday living. Step outside to enjoy the fully fenced backyard featuring a fire pit and a concrete patio, ideal for relaxing evenings or weekend gatherings. Located in the desirable Deer Valley community, this home is USDA eligible and benefits from lower county taxes, offering added affordability without sacrificing convenience. If you’re looking for a well-maintained home with flexible space, modern updates, and room to grow, this one is a must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

8/10
4/10
7/10

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Slab
  • Roof: Dimensional
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Tankless Water Heater

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Dining Room

  • Features: Dining Area

Features

  • Walk-In Closet(s),Walk-in Shower
  • Window features: Window Treatments
  • Flooring: Carpet,Vinyl
  • Fireplace features: Fireplace,Outside
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 2,562

Heating & Cooling

  • Heating features: Other,Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,562
  • Total interior livable area: 2,562 sqft

Kitchen

  • Features: Breakfast Area,Eat-in Kitchen,Kitchen Island

Property

Details

  • Parcel number: 064A00035600000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch
  • Fencing: Fenced

Lot

  • Lot size: 8,363 sqft
  • Features: Zero Lot Line
  • Lot size dimensions: 0.192 Acre

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $1,744$20,928
Home Insurance *$230$2,760
Property Taxes $232$2,784
Electricity $202$2,427
Total$2,408$28,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,560/yr
40% on housing$72,240/yr
45% on housing$64,213/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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 42376$139
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)

Price History

DateEventPrice
2026-08-14Price change$334,900
2026-07-28Price change$344,900
2026-07-14Listed for sale$349,900
2025-07-23Listing removed$2,500
2025-07-09Listed for rent$2,500
2025-07-09Listing removed$349,000
2025-07-06Price change$349,000
2025-06-10Listed for sale$359,900
2023-04-12Sold$299,900
2023-02-28Pending sale$299,900
2022-11-04Listed for sale$299,900
2018-10-04Sold$235,426

For Sale by Agent

AgentTHE HARRIS GROUP
BrokerageKeller Williams Elite

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