1265 E 550 S, Spanish Fork, UT 84660 Property Records

Utah County property record for 1265 E 550 S, Spanish Fork, UT 84660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1977
Lot Size	0.17 acres (7,397 sqft)
Owner	2 Trust Names on File
Last Sale	$508,725 (Oct 2025)
Tax Bill	$2,096 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-128-0007`

Property Details

APN / Parcel Number

Primary APN	`46-128-0007`
Alternative APN	`065777`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,120 sqft
Basement Area	1,050 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,397 sqft (0.17 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	065777
Street Address	1265 E 550 S
City	SPANISH FORK
State	UT
Zip	84660-2611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, PLAT J, MOUNT LOAFER SUB AREA 0.170 AC.
Legal Subdivision	MOUNT LOAFER SUB
Legal Lot Number	7
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1005
Census Tract	3205

Owner

1265 E 550 S is owner-occupied and held in a trust since October 2025.

Source: Utah County records, as of July 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1265 E 550 S, SPANISH FORK, UT 84660-2611
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Jun 12, 2019	Intrafamily Transfer, Transfer · Commercial Mortgage ZB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Jun 12, 2019 · Amount on File
Deed Document Number	202583967
Prior Transfer Date	Jan 21, 2016
Prior Transfer Doc	0000006150
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Oct 28, 2025
Property Address	1265 E 550 S, SPANISH FORK, UT 84660-2611
Document Number	0000083967
Instrument Date	Oct 27, 2025
Instrument	83967:2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OASIS TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 E 550 S, SPANISH FORK, UT 84660-2611

Mortgage

Document Number	0000084001
Date	Oct 28, 2025
Instrument	84001:2025

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Jun 12, 2019
Property Address	1265 E 550 S, SPANISH FORK, UT 84660-2611
Document Number	0000053237
Instrument Date	May 14, 2019
Instrument	053237:2019
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1265 E 550 S, SPANISH FORK, UT 84660-2611

Mortgage

Document Number	0000053236
Date	Jun 12, 2019
Instrument	053236:2019

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1265 E 550 S was $2,096.

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

Property Jurisdictions

Type	Name
State	Utah
County	Utah County
Municipality	Spanish Fork City
Unified School District	Nebo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$231,275 (-41.55%)	$420,500 (+6.27%) Land $149,700 Building $270,800
2025	$2,096.00	$395,700 Land $149,700 Building $246,000	$395,700 Land $149,700 Building $246,000
2024	$2,096.00 (+9.74%)
2023	$1,910.00 (-10.08%)	$197,120	$358,400 Land $142,600 Building $215,800
2022	$2,124.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1265 E 550 S in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1265 E 550 S is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% of Utah
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	SPANISH FORK CITY serves 47,169 people · EPA ID UTAH25003
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 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	None 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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SFCN Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SenaWave, Utah Broadband.

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