1097 E 490 N, American Fork, UT 84003 Property Records

Utah County property record for 1097 E 490 N, American Fork, UT 84003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,135 sqft · built 2006
Lot Size	0.302 acres (13,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Jul 2020)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-329-0011`

Property Details

APN / Parcel Number

Primary APN	`53-329-0011`
Alternative APN	`269503`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,135 sqft Living Area
Gross Area	5,721 sqft
1st Floor Area	1,835 sqft
Basement Area	1,781 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	A-Frame
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,155 sqft (0.302 acres)
Garage Type	Attached
Garage Area	805 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	269503
Street Address	1097 E 490 N
City	AMERICAN FORK
State	UT
Zip	84003-1850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11, PLAT A, TEMPLE HAVEN SUBDV. AREA 0.302 AC.
Legal Subdivision	TEMPLE HAVEN
Legal Lot Number	11
Jurisdiction	UTAH UT
Township / Civil Division	AMERICAN FORK-PLEASANT GROVE
Census Block Group	2
Census Block	2014
Census Tract	10700

Owner

Source: Utah County records, as of September 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1097 E 490 N, AMERICAN FORK, UT 84003-1850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICA FIRST FEDERAL CREDIT UNION
Aug 10, 2022	Deed of Trust, Mortgage AMERICA FIRST FCU
Jul 6, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Dec 3, 2008 · Amount on Record
Deed Document Number	202094846
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Recording Date	Sep 9, 2026
Property Address	1097 E 490 N, AMERICAN FORK, UT 84003-1850
Document Number	0000075014
Instrument Date	Sep 5, 2026
Instrument	202675014
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 E 490 N, AMERICAN FORK, UT 84003-1850

Mortgage

Document Number	0000075014,
Date	Sep 9, 2026
Instrument	202675014

Lender

Name	AMERICA FIRST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	1097 E 490 N, AMERICAN FORK, UT 84003-1850
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089343
Date	Aug 10, 2022
Instrument	89343:2022

Lender

Name	AMERICA FIRST FCU
Type	Credit Union
Address	OGDEN, UT 84405

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 30, 2032

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Jul 6, 2020
Property Address	1097 E 490 N, AMERICAN FORK, UT 84003-1850
Document Number	0000094846
Instrument Date	Jul 6, 2020
Instrument	94846:2020
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1097 E 490 N, AMERICAN FORK, UT 84003-1850

Mortgage

Document Number	0000094888
Date	Jul 6, 2020
Instrument	94888:2020

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Utah County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Utah
Municipality	American Fork City
County	Utah County
Unified School District	Alpine School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$515,075 (-47.64%)	$936,500 (-4.8%) Land $278,500 Building $658,000
2025	$4,726.00	$983,700 (+122.48%) Land $278,500 Building $705,200	$983,700 (+22.37%) Land $278,500 Building $705,200
2024	$4,726.00 (+25.93%)
2023	$3,753.00 (-10.24%)	$442,145	$803,900 Land $241,100 Building $562,800
2022	$4,181.00

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 June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 99.3% of Utah
Wildfire Likelihood	0.01% 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	AMERICAN FORK CITY serves 39,045 people · EPA ID UTAH25008
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink DSL · Fiber in parts of the area	140 / 20
CentraCom DSL · Fiber in parts of the area	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Utah Broadband, Verizon.

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