1320 E 550 S, Spanish Fork, UT 84660 Property Records

Utah County property record for 1320 E 550 S, Spanish Fork, UT 84660

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,041 sqft · built 1977
Lot Size	0.177 acres (7,696 sqft)
Owner	2 Individual Names on File
Last Sale	$386,897 (Aug 2023)
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Aug 2023 Mortgage May 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-128-0020`

Property Details

APN / Parcel Number

Primary APN	`46-128-0020`
Alternative APN	`065790`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,041 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,041 sqft
Basement Area	975 sqft
Interior Walls	Wallboard/Drywall

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	7,696 sqft (0.177 acres)

Exterior Amenities

Porch	Open Slab
Porch Area	292 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	065790
Street Address	1320 E 550 S
City	SPANISH FORK
State	UT
Zip	84660-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20, PLAT J, MOUNT LOAFER SUB AREA 0.177 AC.
Legal Subdivision	MOUNT LOAFER SUB
Legal Lot Number	20
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1006
Census Tract	3205

Owner

1320 E 550 S is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1320 E 550 S, SPANISH FORK, UT 84660-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage UMORTGAGE LLC
May 3, 2023	Intrafamily Transfer, Transfer · Construction Mortgage SIERRA WEST LOAN SERVICES LLC
Nov 4, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage MY MOVE MORTGAGE LLC
Jun 26, 2017	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	May 3, 2023 · Amount on File
Deed Document Number	202357398
Prior Transfer Date	Oct 30, 2019
Prior Transfer Doc	0000114218
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Aug 31, 2023
Property Address	1320 E 550 S, SPANISH FORK, UT 84660-2614
Document Number	0000057398
Instrument Date	Aug 29, 2023
Instrument	57398:2023
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	GT TITLE SERVICES

Transaction

Tax	$0.00
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1320 E 550 S, SPANISH FORK, UT 84660-2614

Mortgage

Document Number	0000057420
Date	Aug 31, 2023
Instrument	57420:2023

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	May 3, 2023
Property Address	1320 E 550 S, SPANISH FORK, UT 84660-2614
Document Number	0000028156
Instrument Date	May 2, 2023
Instrument	28156:2023
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	MOUNTAIN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	668 W ASPEN HILLS BLVD, SARATOGA SPRINGS, UT 84045-6603

Mortgage

Document Number	0000028159
Date	May 3, 2023
Instrument	28159:2023

Lender

Name	SIERRA WEST LOAN SERVICES LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Nov 4, 2019
Property Address	1320 E 550 S, SPANISH FORK, UT 84660-2614
Document Number	0000114218
Instrument Date	Oct 30, 2019
Instrument	114218:2019
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	VANGUARD TITLE INS AGCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 550 S, SPANISH FORK, UT 84660-2614

Mortgage

Document Number	0000114219
Date	Nov 4, 2019
Instrument	114219:2019

Lender

Name	MY MOVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	1320 E 550 S, SPANISH FORK, UT 84660-2614
Document Number	0000065659
Instrument Date	Jun 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 550 S SPANISH FORK UT 846602614, SPANISH FORK, UT 84660-2614

Mortgage

Document Number	0000065659
Date	Jul 7, 2017
Instrument	65659

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1320 E 550 S was $2,157, up % from the year before.

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		$225,225 (-44.68%)	$409,500 (+0.59%) Land $150,900 Building $258,600
2025	$2,157.00 (+0.05%)	$407,100 Land $151,500 Building $255,600	$407,100 Land $151,500 Building $255,600
2024	$2,156.00 (+16.23%)
2023	$1,855.00 (-3.28%)	$191,455	$348,100 Land $144,300 Building $203,800
2022	$1,918.00

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 1320 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 1320 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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