196 N 2975 W, Layton, UT 84041 Property Records

Davis County property record for 196 N 2975 W, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,183 sqft · built 2005
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$328,400 (Oct 2005)
Tax Bill	$4,443 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-559-1005`

Property Details

APN / Parcel Number

Primary APN	`12-559-1005`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,183 sqft Living Area
Basement Area	2,161 sqft
Unfinished Basement	2,161 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Area	901 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	196 N 2975 W
City	LAYTON
State	UT
Zip	84041-8834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	ALL OF LOT 1005, WILD HORSE SPRINGS SUB PHASE 10. CONT 0.31 ACRES
Legal Subdivision	WILD HORSE SPRINGS SUBDIVISION PHASE 10
Legal Phase	10
Legal Lot Number	1005
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1021
Census Tract	125415

Owner

Source: Davis County records, as of October 13, 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	196 N 2975 W, LAYTON, UT 84041-8834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Feb 22, 2022	Deed of Trust, Mortgage · Line of Credit UTAH FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2005 · Amount on Record
Deed Sale	Oct 5, 2005 · Amount on Record
Prior Sale	Nov 16, 2004
Deed Document Number	20052111604
Deed Book / Page	3885 / 934
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	196 N 2975 W, LAYTON, UT 84041-8834
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006722/849
Date	Mar 14, 2017
Book Page	6722/849
Instrument	3007916

Lender

Name	PROVIDENT FUNDING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	196 N 2975 W, LAYTON, UT 84041-8834
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	SERVICELINK EAST ES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007871/22
Date	Oct 22, 2021
Book Page	7871/22
Instrument	3429352

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	196 N 2975 W, LAYTON, UT 84041-8834
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	MERIDIAN TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007951/303
Date	Feb 22, 2022
Book Page	7951/303
Instrument	3458353

Lender

Name	UTAH FIRST FCU
Type	Credit Union
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Davis County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Utah
County	Davis County
Municipality	Layton City
Unified School District	Davis School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$462,001 (-0.94%) Land $135,988 Building $326,013	$840,000 (-0.94%) Land $247,250 Building $592,750
2025	$4,443.00 (-3.03%)	$466,401 (-43.87%) Land $137,055 Building $329,346	$848,000 (+2.05%) Land $249,190 Building $598,810
2024	$4,582.00 (+2.78%)
2023	$4,458.00 (-7.09%)	$831,000 Land $156,235 Building $674,765	$831,000 Land $156,235 Building $674,765
2022	$4,798.00

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 May 21, 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 80% of the US · lower than 88% of Utah
Wildfire Likelihood	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	LAYTON CITY WATER SYSTEM serves 82,000 people · EPA ID UTAH06018
Water Source	Purchased surface water from WEBER BASIN WCD - CENTRAL
Last State Inspection	Sep 2023
Lead	4 ppb (2021–2023) 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 118 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
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband, Utah Broadband.

Nearby Properties on N 2975 W

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures