1578 Mountain Oaks Dr, Orem, UT 84097 Property Records

Utah County property record for 1578 Mountain Oaks Dr, Orem, UT 84097

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,640 sqft · built 1999
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Feb 2018)
Tax Bill	$2,983 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-131-0015`

Property Details

APN / Parcel Number

Primary APN	`46-131-0015`
Alternative APN	`065849`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,640 sqft Living Area
Gross Area	3,840 sqft
1st Floor Area	1,440 sqft
Basement Area	600 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Architectural Style	A-Frame
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Slab
Porch Area	139 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	065849
Street Address	1578 MOUNTAIN OAKS DR
City	OREM
State	UT
Zip	84097-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15, PLAT A, MOUNTAIN OAKS SUB.
Legal Subdivision	MOUNTAIN OAKS SUB
Legal Lot Number	15
Jurisdiction	UTAH UT
Township / Civil Division	PROVO-OREM
Census Block Group	2
Census Block	2013
Census Tract	710

Owner

1578 Mountain Oaks Dr is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1578 MOUNTAIN OAKS DR, OREM, UT 84097-2308
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Loan Assumption FREEDOM MORTGAGE CORP
Oct 9, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 12, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 23, 2018	Warranty Deed, Transfer · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2018 · Amount on File
Deed Sale	Feb 23, 2018 · Amount on File
Prior Sale	Dec 6, 2010 · Amount on File
Deed Document Number	201818008
Prior Transfer Date	Nov 5, 2007
Prior Transfer Doc	0000163414
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	1578 MOUNTAIN OAKS DR, OREM, UT 84097-2308
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000158216
Date	Oct 9, 2020
Instrument	158216:2020

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Loan Assumption
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	1578 MOUNTAIN OAKS DR, OREM, UT 84097-2308
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102931
Date	Oct 9, 2019
Instrument	102931:2019

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	1578 MOUNTAIN OAKS DR, OREM, UT 84097-2308
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068443
Date	Apr 12, 2021
Instrument	68443:2021

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Feb 23, 2018
Property Address	1578 MOUNTAIN OAKS DR, OREM, UT 84097-2308
Document Number	0000018008
Instrument Date	Feb 23, 2018
Instrument	18008
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	EAGLE GATE TITLE INSURANCE AGENCY

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 with Right of Survivorship
Address	1578 MOUNTAIN OAKS DR OREM UT 840972308, OREM, UT 84097-2308

Mortgage

Document Number	18044
Date	Feb 23, 2018
Instrument	18044

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1578 Mountain Oaks Dr was $2,983, up 9.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$394,020 (+5.2%)	$716,400 (+5.2%) Land $265,300 Building $451,100
2025	$2,983.00 (+9.11%)	$374,550	$681,000 Land $265,300 Building $415,700
2024	$2,734.00 (+6.59%)
2023	$2,565.00 (-3.35%)	$337,205	$613,100 Land $252,700 Building $360,400
2022	$2,654.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1578 Mountain Oaks Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 22, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 1578 Mountain Oaks Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 40% of Utah
Wildfire Likelihood	0.1% 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	OREM CITY WATER SYSTEM serves 98,129 people · EPA ID UTAH25020
Water Source	Purchased surface water from CENTRAL UTAH WCD - UTAH VALLEY
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Utah Telecommunication Open Infrastructure Agency Fiber	10,000 / 10,000
SenaWave Fiber	2,500 / 2,500
Xfinity Cable	2,000 / 250
Beehive Broadband Fiber	1,000 / 1,000
Wasatch Broadband Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Rise Broadband.

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