176 W Center St, Smithfield, UT 84335 Property Records

Cache County property record for 176 W Center St, Smithfield, UT 84335

Property Summary

Property Type	Single Family Home
Details	1,176 sqft · built 1971
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$465,500 (Apr 2026)
Tax Bill	$1,615 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-086-0073`

Property Details

APN / Parcel Number

Primary APN	`08-086-0073`

Interior

Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	14,810 sqft (0.34 acres)

Location & Zoning

Street Address	176 W CENTER ST
City	SMITHFIELD
State	UT
Zip	84335-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 5 RDS E OF NW COR LOT 6 BLK 14 PLAT A SMITHFIELD CITY SVY & TH S 9 RDS TO PT 1 RD N OF S LN OF N/2 OF LTS 6 & 7 TH E 99.5
Legal Subdivision	PLAT A SMITHFIELD CITY SURVEY
Legal Block	14
Legal Lot Number	6-7
Jurisdiction	CACHE UT
Township / Civil Division	SMITHFIELD
Census Block Group	2
Census Block	2001
Census Tract	201

Owner

Source: Cache County assessment roll, as of November 6, 2025

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 File
Mailing Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC
May 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ZB NA
May 14, 2021	Intrafamily Transfer, Transfer NORTHERN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	May 14, 2021 · Amount on Record
Deed Document Number	20261395448
Deed Book / Page	2539 / 1762
Prior Transfer Date	May 10, 2021
Prior Transfer Doc	2253/358
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Property Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02531/1662
Date	Mar 6, 2026
Book Page	2531/1662
Instrument	1392866

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CACHE UT
Recording Date	Apr 17, 2026
Property Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010
Document Number	0001395448
Book / Page	2539 / 1762
Instrument Date	Apr 17, 2026
Instrument	2026.1395448
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	ACE TITLE, CACHE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010

Mortgage

Document Number	0001395449,
Date	Apr 17, 2026
Instrument	2026..1395449

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CACHE UT
Recording Date	May 14, 2021
Property Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010
Document Number	2253/342
Book / Page	2253 / 342
Instrument Date	May 10, 2021
Instrument	1286672
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	NORTHERN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010

Mortgage

Document Number	1286673
Date	May 14, 2021
Instrument	1286673

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CACHE UT
Recording Date	May 14, 2021
Property Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010
Document Number	2253/358
Book / Page	2253 / 358
Instrument Date	May 10, 2021
Instrument	1286674
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	NORTHERN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 W CENTER ST, SMITHFIELD, UT 84335-2010

Tax Assessment & Valuation

Source: Cache County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Utah
County	Cache County
Municipality	Smithfield City
Unified School District	Cache School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,615.00 (-6.21%)	$216,250 (+5.69%)	$393,180 (+5.69%) Land $150,000 Building $243,180
2023	$1,722.00	$204,610	$372,016 Land $70,000 Building $302,016

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

Source: FEMA National Flood Hazard Layer, effective January 16, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 80% of the US · lower than 88% of Utah
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SMITHFIELD CITY serves 10,223 people · EPA ID UTAH03020
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Wi-Fiber Fixed Wireless	499 / 285
Verizon Fixed Wireless	300 / 20

May also be available: Google Fiber, Lumen Technologies.

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