2705 E 1525 N, Layton, UT 84040 Property Records

Davis County property record for 2705 E 1525 N, Layton, UT 84040

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,800 sqft · built 1997
Lot Size	0.231 acres (10,062 sqft)
Owner	2 Individual Names on File
Last Sale	$225,100 (Feb 2009)
Tax Bill	$2,745 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-246-0801`

Property Details

APN / Parcel Number

Primary APN	`09-246-0801`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Basement Area	888 sqft
Unfinished Basement	888 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.231 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2705 E 1525 N
City	LAYTON
State	UT
Zip	84040-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	ALL OF LOT 801, COTTONWOOD UNIT 8. CONTAINS 0.231 ACRES
Legal Subdivision	COTTONWOOD UNIT 8
Legal Lot Number	801
Legal Unit	8
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1020
Census Tract	125908

Owner

2705 E 1525 N is owned and occupied by two individuals who bought it in February 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	2705 E 1525 N, LAYTON, UT 84040-2701
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
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Jun 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 4, 2017	Loan Modification, Mortgage · FHA Mortgage OCWEN LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2009 · Amount on File
Deed Sale	Feb 6, 2009 · Amount on File
Prior Sale	Oct 8, 2008
Deed Document Number	20092421916
Deed Book / Page	4708 / 1258
Prior Transfer Date	Sep 16, 2008
Prior Transfer Doc	0002393023
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	2705 E 1525 N, LAYTON, UT 84040-2701
Transaction Type	Mortgage
Record Updated	Dec 6, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008140/717
Date	Nov 23, 2022
Book Page	8140/717
Instrument	3508722

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	SANDY, UT 84070

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	2705 E 1525 N, LAYTON, UT 84040-2701
Transaction Type	Mortgage
Record Updated	Jul 4, 2022
Title Company	VANTAGE POINT TITLE, VANTAGE POINT TITLE IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00008033/9
Date	Jun 17, 2022
Book Page	8033/9
Instrument	3483207

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DAVIS UT
Property Address	2705 E 1525 N, LAYTON, UT 84040-2701
Document Number	0003023280
Book / Page	006776 / 000415
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 E 1525 N LAYTON UT 840402701, LAYTON, UT 84040-2701

Mortgage

Document Number	0003023280
Date	May 31, 2017
Book Page	006776/000415
Instrument	3023280

Lender

Name	OCWEN LN SERVICING
Type	Funding / Finance Company
Address	WEST PALM BEACH, FL 33407

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 2705 E 1525 N was $2,745, up 4.9% from the year before.

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		$302,500 (+4.96%) Land $139,878 Building $162,622	$550,000 (+4.96%) Land $254,324 Building $295,676
2025	$2,745.00 (+4.93%)	$288,200 Land $124,067 Building $164,133	$524,000 Land $225,577 Building $298,423
2024	$2,616.00 (-2.46%)
2023	$2,682.00 (-4.89%)	$500,000 Land $199,692 Building $300,308	$500,000 Land $199,692 Building $300,308
2022	$2,820.00

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

Flood

FEMA maps place 2705 E 1525 N 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	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 2705 E 1525 N is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 69% of Utah
Wildfire Likelihood	0.06% 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	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 232 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
CenturyLink DSL	140 / 20

May also be available: Rise Broadband, T-Mobile, Utah Broadband.

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