2398 E 40 N, Saint George, UT 84790 Property Records

Washington County property record for 2398 E 40 N, Saint George, UT 84790

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 1988
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$459,855 (Sep 2025)
Tax Bill	$1,564 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SG-CA-1-31`

Property Details

APN / Parcel Number

Primary APN	`SG-CA-1-31`
Alternative APN	`0391402`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	1,833 sqft
Attic	Attic
Attic Area	912 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2025
Architectural Style	Multi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Concrete
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	456 sqft
Porch	Covered Slab
Porch Area	33 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	0391402
Street Address	2398 E 40 N
City	SAINT GEORGE
State	UT
Zip	84790-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R18
Legal Description	SUBDIVISION: COTTON ACRES 1 (SG) LOT: 31
Legal Subdivision	COTTON ACRES 1
Legal Lot Number	31
Jurisdiction	WASHINGTON UT
Township / Civil Division	ST. GEORGE
Census Block Group	2
Census Block	2000
Census Tract	271102

Owner

Source: Washington County records, as of August 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2398 E 40 N, SAINT GEORGE, UT 84790-5433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit GOLDENWEST FCU
Jan 9, 2023	Deed of Trust, Mortgage AMERICA FIRST FCU
Sep 12, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICA FIRST FCU
Mar 1, 2017	Warranty Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	202531314
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON UT
Property Address	2398 E 40 N, SAINT GEORGE, UT 84790-5433
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	MOUNTAIN VIEW TITLE-STATE GEORGE, MOUNTAIN VIEW TTL ST GEORGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000073382
Date	Nov 16, 2021
Instrument	20210073382

Lender

Name	GOLDENWEST FCU
Type	Credit Union
Address	OGDEN, UT 84402

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON UT
Property Address	2398 E 40 N, SAINT GEORGE, UT 84790-5433
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000733
Date	Jan 9, 2023
Instrument	20230000733

Lender

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

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 28, 2033

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON UT
Recording Date	Sep 12, 2025
Property Address	2398 E 40 N, SAINT GEORGE, UT 84790-5433
Document Number	0000031314
Instrument Date	Sep 11, 2025
Instrument	20250031314
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	EAGLE GATE TITLE INSURANCE AGENCY, EAGLE GATE TTL INS AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2398 E 40 N, ST GEORGE, UT 84790-5433

Mortgage

Document Number	0000031330
Date	Sep 12, 2025
Instrument	20250031330

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON UT
Property Address	2398 E 40 N, SAINT GEORGE, UT 84790-5433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMER ST GEORGE MAIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021904
Date	May 4, 2020
Instrument	20200021904

Lender

Name	AMERICA FIRST FCU
Type	Credit Union
Address	OGDEN, UT 84409

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON UT
Recording Date	Mar 1, 2017
Property Address	2398 E 40 N, SAINT GEORGE, UT 84790-5433
Document Number	0000008786
Instrument Date	Mar 1, 2017
Instrument	8786
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	SOUTHERN UTAH TITLE COMPANY, SOUTHERN UTAH TITLE CO

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	2398 E 40 N ST GEORGE UT 847905433, ST GEORGE, UT 84790-5433

Mortgage

Document Number	8789
Date	Mar 1, 2017
Instrument	8789

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

Source: Washington County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	Utah
County	Washington County
Municipality	St. George City
Unified School District	Washington School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$436,200 (+89.51%) Land $108,000 Building $328,200	$436,200 (+4.23%) Land $108,000 Building $328,200
2025	$1,564.00 (-0.26%)	$230,175 (-3.97%) Land $59,400 Building $170,775	$418,500 (-3.97%) Land $108,000 Building $310,500
2024	$1,568.00 (-2.24%)
2023	$1,604.00	$239,690	$435,800 Land $96,000 Building $339,800

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 September 3, 2025

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 99.8% of the US · lower than 99.9% 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	ST GEORGE CITY WATER SYSTEM serves 105,240 people · EPA ID UTAH27015
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	1 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	4 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 682 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
InfoWest Fixed Wireless · Fiber in parts of the area	200 / 40
Kayenta Technologies Fixed Wireless	100 / 20

May also be available: CenturyLink, SC Broadband.

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