2856 E 2550 N, Layton, UT 84040 Property Records

Davis County property record for 2856 E 2550 N, Layton, UT 84040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,660 sqft · built 1978
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$430,220 (Apr 2026)
Tax Bill	$318 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-068-0257`

Property Details

APN / Parcel Number

Primary APN	`09-068-0257`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
View / Lot	Cul-de-sac
Garage Area	656 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2856 E 2550 N
City	LAYTON
State	UT
Zip	84040-8140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-10
Legal Description	ALL OF LOT 257, OAK FOREST NO 8. CONT. 0.38 ACRES
Legal Subdivision	OAK FOREST NO 8
Legal Lot Number	257
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	2
Census Block	2002
Census Tract	125804

Owner

2856 E 2550 N is owned and occupied by two individuals who bought it in April 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2856 E 2550 N, LAYTON, UT 84040-8140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage SUN WEST MORTGAGE COMPANY INC
Apr 10, 2026	Quit Claim Deed, Transfer · VA Mortgage FEDERAL SAVINGS BANK
Jun 4, 2019	Deed of Trust, Mortgage · Line of Credit SUN WEST MORTGAGE COMPANY INC
Jun 22, 2020	Loan Modification, Mortgage SUN W MTG USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Aug 22, 2014 · Amount on File
Deed Document Number	20263662922
Deed Book / Page	8972 / 63
Prior Transfer Date	Mar 26, 2026
Prior Transfer Doc	0008972/63
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	2856 E 2550 N, LAYTON, UT 84040-8140
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2858 E 2550 N, LAYTON, UT 84040-8140

Mortgage

Document Number	00008943/3
Date	Mar 2, 2026
Book Page	8943/3
Instrument	3656767

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DAVIS UT
Recording Date	Apr 10, 2026
Property Address	2856 E 2550 N, LAYTON, UT 84040-8140
Document Number	0008972/63
Book / Page	8972 / 63
Instrument Date	Mar 26, 2026
Instrument	2026.3662922
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2856 E 2550 N, LAYTON, UT 84040-8140

Mortgage

Document Number	0003662923,
Date	Apr 10, 2026
Book Page	8972/66
Instrument	2026.3662923

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	2856 E 2550 N, LAYTON, UT 84040-8140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003163833
Date	Jun 4, 2019
Book Page	7276/0924
Instrument	3163833

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	178 Months
Due	Apr 17, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DAVIS UT
Property Address	2856 E 2550 N, LAYTON, UT 84040-8140
Document Number	0003269092
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2856 E 2550 N LAYTON UT 840408140, LAYTON, UT 84040-8140

Mortgage

Document Number	0003269092
Date	Jul 9, 2020
Book Page	007550/000063
Instrument	3269092

Lender

Name	SUN W MTG USA
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Amount	Amount on Record

Interest

Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 2856 E 2550 N was $318, down 89.8% 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		$305,801 (+2.77%) Land $177,278 Building $128,523	$556,000 (+2.77%) Land $322,323 Building $233,677
2025	$318.00 (-89.84%)	$297,550 Land $168,168 Building $129,382	$541,000 Land $305,760 Building $235,240
2024	$3,131.00 (+0.1%)
2023	$3,128.00 (-2.74%)	$539,000 Land $235,578 Building $303,422	$539,000 Land $235,578 Building $303,422
2022	$3,216.00

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

Flood

FEMA maps place 2856 E 2550 N in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2000 · tidal / storm surge

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 2856 E 2550 N is high, ranking above 72% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 61% of Utah
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 244 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Rise Broadband.

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