Cache County property record for 1085 E 12700 N, Cove, UT 84320
| Property Type | Single Family Home |
|---|---|
| Details | 1,816 sqft · built 1884 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $67,500 (Jun 2018) |
| Tax Bill | $1,976 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-026-0030 |
| Primary APN | 09-026-0030 |
|---|
| Building Area | 1,816 sqft Living Area |
|---|
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Lot Area | 87,120 sqft (2 acres) |
| Street Address | 1085 E 12700 N |
|---|---|
| City | LEWISTON |
| State | UT |
| Zip | 84320-2118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 40 RDS N & 56 RDS W OF SE COR OF SW/4 SEC 11 T 14N R 1E, N 40 RDS E 8 RDS S 40 RDS W 8 RDS TO BEG 2AC G52 |
| Legal Range | 01E |
| Legal Township | 14N |
| Legal Section | 11 |
| Jurisdiction | CACHE UT |
| Township / Civil Division | LEWISTON |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 101 |
1085 E 12700 N is owned and occupied by an individual who bought it in June 2018.
Source: Cache County records, as of January 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1085 E 12700 N, COVE, UT 84320-2118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SUN AMERICAN MORTGAGE CO |
| Jun 22, 2018 | Quit Claim Deed, Transfer · Stand-Alone Second Mortgage MOUNTAIN AMERICA FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2018 · Amount on File |
| Deed Sale | Jun 22, 2018 · Amount on File |
| Prior Sale | Jul 18, 2013 · Amount on File |
| Deed Document Number | 20181198248 |
| Deed Book / Page | 2025 / 747 |
| Prior Transfer Date | Jun 21, 2018 |
| Prior Transfer Doc | 2025/0747 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CACHE UT |
| Property Address | 1085 E 12700 N, COVE, UT 84320-2118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1085 E 12700 N, COVE, UT 84320-2118 |
| Document Number | 002524/119 |
|---|---|
| Date | Jan 15, 2026 |
| Book Page | 2524/119 |
| Instrument | 1389950 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 6.37% |
| Index | 1-Year T-Bill |
| Max Rate | 6.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CACHE UT |
| Property Address | 1085 E 12700 N, COVE, UT 84320-2118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 002331/129 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 2331/129 |
| Instrument | 1316632 |
| Name | SUN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | MESA, AZ 85206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CACHE UT |
| Recording Date | Jun 22, 2018 |
| Property Address | 1085 E 12700 N, COVE, UT 84320-2118 |
| Document Number | 2025/0747 |
| Book / Page | 2025 / 0747 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 1198248 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2021 |
| Title Company | PINNACLE LAND TITLE, PINNACLE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1085 E 12700 N, COVE, UT 84320-2118 |
| Document Number | 1198249 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | 1198249 |
| Name | MOUNTAIN AMERICA FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2038 |
The 2025 property tax bill for 1085 E 12700 N was $1,976.
Source: Cache County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Utah |
| County | Cache County |
| Unified School District | Cache School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,976.00 | $316,415 | $508,845 Land $271,800 Building $237,045 |
| 2023 | $1,744.00 | $241,470 | $424,738 Land $106,320 Building $318,418 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1085 E 12700 N in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 16, 2025 · 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 Policies | 3 in force |
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 risk around 1085 E 12700 N is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 77% of Utah |
|---|---|
| Wildfire Likelihood | 0.02% 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 | COVE WATERWORKS private · serves 60 people · EPA ID UTAH03006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | E. coli resolved · May 2025 |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected Nov 2025 Coliform assessment May 2016 |
| Monitoring and Reporting | 3 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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Rise Broadband Fixed Wireless | 50 / 10 |
May also be available: Blue Spring Broadband, Tristate Wi-Fi by Wi-Fiber, Verizon.
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