2397 N 725 W, Layton, UT 84041 Property Records

Davis County property record for 2397 N 725 W, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,651 sqft · built 1993
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$570,609 (Jan 2025)
Tax Bill	$2,698 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-194-0092`

Property Details

APN / Parcel Number

Primary APN	`09-194-0092`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,651 sqft Living Area
Basement Area	530 sqft
Unfinished Basement	530 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2397 N 725 W
City	LAYTON
State	UT
Zip	84041-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	ALL OF LOT 92, PLEASANT HILLS SUB PLAT E. CONTAINS 0.24 ACRES
Legal Subdivision	PLEASANT HILLS SUBDIVISION
Legal Lot Number	92
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	3
Census Block	3006
Census Tract	125809

Owner

2397 N 725 W is owned and occupied by two individuals who bought it in January 2025.

Source: Davis County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2397 N 725 W, LAYTON, UT 84041-4763
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
Jul 28, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit AMERICA FIRST FCU
Oct 29, 2019	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage DISCOVER BANK
May 9, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Prior Sale	Jul 28, 2022 · Amount on File
Deed Document Number	20253604373
Deed Book / Page	8677 / 891
Prior Transfer Date	Mar 29, 2006
Prior Transfer Doc	0002160987
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIS UT
Recording Date	Jul 28, 2022
Property Address	2397 N 725 W, LAYTON, UT 84041-4763
Document Number	08059/1019
Book / Page	8059 / 1019
Instrument Date	Jul 27, 2022
Instrument	3490076
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	COTTONWOOD TITLE INSURANCE, COTTONWOOD TITLE INS

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
Address	2397 N 725 W, LAYTON, UT 84041-4763

Mortgage

Document Number	0003490080
Date	Jul 28, 2022
Instrument	3490080

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	2397 N 725 W, LAYTON, UT 84041-4763
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7842/2919
Date	Sep 13, 2021
Book Page	7842/2919
Instrument	3418046

Lender

Name	AMERICA FIRST FCU
Type	Credit Union
Address	OGDEN, UT 84405

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DAVIS UT
Recording Date	Oct 29, 2019
Property Address	2397 N 725 W, LAYTON, UT 84041-4763
Document Number	7378/0061
Book / Page	7378 / 0061
Instrument Date	Oct 15, 2019
Instrument	3199277
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2397 N 725 W, LAYTON, UT 84041-4763

Mortgage

Document Number	3199278
Date	Oct 29, 2019
Instrument	3199278

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 21, 2029

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIS UT
Recording Date	May 9, 2017
Property Address	2397 N 725 W, LAYTON, UT 84041-4763
Document Number	0003018915
Book / Page	006761 / 000544
Instrument Date	May 7, 2017
Instrument	3018915
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2397 N 725 W LAYTON UT 840414763, LAYTON, UT 84041-4763

Mortgage

Document Number	3018919
Date	May 9, 2017
Book Page	006761/000556
Instrument	3018919

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2397 N 725 W was $2,698, up 6.8% from the year before.

Source: Davis County assessment roll, as of December 8, 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		$306,350 (+8.16%) Land $127,607 Building $178,743	$557,000 (+8.16%) Land $232,012 Building $324,988
2025	$2,698.00 (+6.77%)	$283,250 Land $116,365 Building $166,885	$515,000 Land $211,572 Building $303,428
2024	$2,527.00 (+1.08%)
2023	$2,500.00 (+2.92%)	$466,000 Land $155,250 Building $310,750	$466,000 Land $155,250 Building $310,750
2022	$2,429.00

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 2397 N 725 W in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 21, 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
Nearby Flood Policies	1 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 2397 N 725 W 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	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 529 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband, Utah Broadband, Verizon.

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