286 E Center St, Providence, UT 84332 Property Records

Cache County property record for 286 E Center St, Providence, UT 84332

Property Summary

Property Type	Single Family Home
Details	1,538 sqft · built 1915
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,298 (Jan 2024)
Tax Bill	$1,435 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`02-109-0010`

Property Details

APN / Parcel Number

Primary APN	`02-109-0010`

Interior

Building Area	1,538 sqft Living Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	15,682 sqft (0.36 acres)

Location & Zoning

Street Address	286 E CENTER ST
City	PROVIDENCE
State	UT
Zip	84332-9612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT NE COR LOT 6 BLK 19 PLT A PROVIDENCE CITY SVY & TH S0117'41W 103.0 FT ALG W LN OF 300 E ST TH N8932'22W 147.17 FT TH N
Legal Subdivision	PLAT A PROVIDENCE CITY SURVEY
Legal Block	19
Legal Lot Number	6
Jurisdiction	CACHE UT
Township / Civil Division	LOGAN
Census Block Group	3
Census Block	3016
Census Tract	1101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Providence Historic District listed 2007 · 208 contributing resources · NRIS 07001169

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cache 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	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 9, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2021	Intrafamily Transfer, Transfer AMERICAN SECURE TITLE LOGAN
Oct 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF UTAH
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF UTAH
Dec 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF UTAH
Dec 22, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	20241351785
Deed Book / Page	2418 / 848
Prior Transfer Date	Oct 13, 2021
Prior Transfer Doc	2293/1154
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Recording Date	Sep 30, 2026
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Document Number	0001405065
Book / Page	2566 / 1410
Instrument Date	Sep 25, 2026
Instrument	20261405065
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	PINNACLE LAND TITLE, PINNACLE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612

Mortgage

Document Number	0001405065,
Date	Sep 30, 2026
Book Page	2566/1410
Instrument	20261405065

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CACHE UT
Recording Date	Jan 9, 2024
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Document Number	002418/848
Book / Page	2418 / 848
Instrument Date	Jan 5, 2024
Instrument	1351785
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	US TITLE INSURANCE AGENCY

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	286 E CENTER ST, PROVIDENCE, UT 84332-9612

Mortgage

Document Number	0001351787
Date	Jan 9, 2024
Instrument	1351787

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02357/1083
Date	Sep 1, 2022
Book Page	2357/1083
Instrument	1327411

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CACHE UT
Recording Date	Oct 18, 2021
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Document Number	2293/1154
Book / Page	2293 / 1154
Instrument Date	Oct 13, 2021
Instrument	1302007
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	AMERICAN SECURE TITLE LOGAN

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CACHE UT
Recording Date	Oct 18, 2021
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Document Number	2293/1050
Book / Page	2293 / 1050
Instrument Date	Oct 13, 2021
Instrument	1301994
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	AMERICAN SECURE TITLE LOGAN

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612

Mortgage

Document Number	1301995
Date	Oct 18, 2021
Instrument	1301995

Lender

Name	BANK OF UTAH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1985/1538
Date	Dec 22, 2017
Book Page	1985/1538
Instrument	1186894

Lender

Name	BANK OF UTAH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1985/1552
Date	Dec 22, 2017
Book Page	1985/1552
Instrument	1186895

Lender

Name	BANK OF UTAH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CACHE UT
Recording Date	Dec 22, 2017
Property Address	286 E CENTER ST, PROVIDENCE, UT 84332-9612
Document Number	1985/1517
Book / Page	1985 / 1517
Instrument Date	Dec 21, 2017
Instrument	1186890
Transaction Type	Transfer
Record Updated	Nov 8, 2021

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	286 E CENTER ST, PROVIDENCE, UT 84332-9612

Tax Assessment & Valuation

Source: Cache County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Utah
County	Cache County
Municipality	Providence City
Unified School District	Cache School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,435.00 (-8.6%)	$201,275 (+4.26%)	$365,959 (+4.26%) Land $164,300 Building $201,659
2023	$1,570.00	$193,060	$351,014 Land $142,500 Building $208,514

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 January 16, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (2005–2011)
Claims Outside the SFHA	4 of 6
Most Recent Claim	May 2011 · Flooding
Claims by Event	Flooding, May 2011 · 3 claims Flooding And Landslides, Apr 2005 · 2 claims

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

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

Wildfire Risk	Moderate above 46% of the US · lower than 63% of Utah
Wildfire Likelihood	0.08% 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	PROVIDENCE CITY WATER SYSTEM serves 9,690 people · EPA ID UTAH03017
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 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	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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Strata Networks Fiber	2,000 / 2,000
Tristate Wi-Fi by Wi-Fiber Fiber · Fixed Wireless	2,000 / 2,000
Xfinity Cable	2,000 / 250
SenaWave Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Beehive Broadband, Blue Spring Broadband.

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