Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$231,718$88 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 68How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

10838 STATE ROUTE 81

UTICA, KY 42376
4
Beds
3 / 1
Baths
2,623 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.24 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$232K
$158K low$306K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,956 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$286,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$261,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$286,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$286,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyDaviess
Lot (acres)The size of the land the home sits on, from county records.1.24
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Southern Oaks Elementary SchoolA-
Elementary · Grades PK–5 · 5.9 mi
H
Apollo High SchoolB+
High · Grades 9–12 · 9.3 mi
M
College View Middle SchoolC-
Middle · Grades 6–8 · 10.1 mi

District: Daviess County School District

Neighborhood · ZIP 42376These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.70
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.106

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.6,497
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.63 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,199
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,758
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10838 State Route 81 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 77% of homes in Utica 42376
  • Costs less per square foot than 90% of homes in Utica 42376
  • Bigger than 93% of homes in Utica 42376
  • Has a bigger lot than 87% of homes in Daviess County
  • Newer than 94% of homes in Daviess County

What homes are worth in Utica 42376

Each bar is how many homes fall in that price range. The marker is this home.

This home
$73K$392K

This home is worth more than 77% of homes in Utica 42376.

How it measures up in Utica 42376

The dot is this home. The mark in the middle is the typical home in Utica 42376.

Estimated value$231,718
CheaperTypical $193,298Pricier

Pricier than 77% of homes nearby

Price per ft²$88
CheaperTypical $134Pricier

Pricier than 10% of homes nearby

Living area2,623 ft²
SmallerTypical 1,431 ft²Bigger

Bigger than 93% of homes nearby

Lot size1.24 ac
SmallerTypical 1 acBigger

Bigger than 58% of homes nearby

Year built2006
OlderTypical 1980Newer

Newer than 85% of homes nearby

How 10838 State Route 81 ranks against every home in each area.
MeasureThis homeUtica 42376Daviess County
Estimated valuepricier than$231,71877% of homes69% of homes
Price per ft²pricier than$8810% of homes16% of homes
Living areabigger than2,623 ft²93% of homes93% of homes
Lot sizebigger than1.24 ac58% of homes87% of homes
Year builtnewer than200685% of homes94% of homes

About 10838 State Route 81

How much is 10838 State Route 81, Utica, KY worth?

The TopHap Estimate for 10838 State Route 81, Utica, KY is $231,718 as of Jul 14, 2026. The likely range is $157,765 to $305,671. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10838 State Route 81, Utica, KY last sell?

10838 State Route 81, Utica, KY last sold on Jan 1, 1995, according to the county's recorded deed.

How big is 10838 State Route 81, Utica, KY?

10838 State Route 81, Utica, KY has 4 bedrooms, 3 bathrooms, 2,623 square feet of living space and a 1.24-acre lot.

When was 10838 State Route 81, Utica, KY built?

10838 State Route 81, Utica, KY was built in 2006, making it 20 years old. The building has 1 story.

What schools serve 10838 State Route 81, Utica, KY?

10838 State Route 81, Utica, KY is assigned to Southern Oaks Elementary School (elementary), rated A-; Apollo High School (high), rated B+; College View Middle School (middle), rated C-. All sit in Daviess County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10838 State Route 81, Utica, KY compare to other homes in Utica 42376?

Among the 2,832 homes in Utica 42376, it is worth more than 77% of them ($231,718 against a typical $193,298), its price per square foot is higher than 10% of them ($88 against a typical $134), it is bigger than 93% of them (2,623 ft² against a typical 1,431 ft²), its lot is bigger than 58% of them (1.24 ac against a typical 1 ac) and it is newer than 85% of them (2006 against a typical 1980). Measured against all of Daviess County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10838 State Route 81, Utica, KY?

The 2025 property tax bill for 10838 State Route 81, Utica, KY was $2,956. The county assessed it at $286,800.

More homes on State Route 81

Closest homes

More homes in Utica 42376

Assigned schools

Explore the area

See this home in context

Open 10838 State Route 81 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map