291 N 2975 W, Layton, UT 84041 Property Records

Davis County property record for 291 N 2975 W, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,268 sqft · built 2006
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Sep 2021)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-560-1110`

Property Details

APN / Parcel Number

Primary APN	`12-560-1110`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,268 sqft Living Area
Basement Area	2,331 sqft
Unfinished Basement	2,331 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Area	1,125 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	291 N 2975 W
City	LAYTON
State	UT
Zip	84041-8835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	ALL OF LOT 1110, WILD HORSE SPRINGS SUB PHASE 11. CONT 0.36 ACRES
Legal Subdivision	WILD HORSE SPRINGS PHASE 11
Legal Phase	11
Legal Lot Number	1110
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1027
Census Tract	125415

Owner

Source: Davis County records, as of September 23, 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	291 N 2975 W, LAYTON, UT 84041-8835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN FIRST CU
Sep 4, 2019	Deed of Trust, Mortgage · Line of Credit AMERICA FIRST FCU
Jan 27, 2022	Deed of Trust, Mortgage · Line of Credit AMERICA FIRST FCU
Sep 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Aug 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Aug 1, 2005 · Amount on Record
Deed Document Number	20213419691
Deed Book / Page	7846 / 2782
Prior Transfer Date	Aug 4, 2020
Prior Transfer Doc	0003279963
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	291 N 2975 W, LAYTON, UT 84041-8835
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008334/627
Date	Sep 11, 2023
Book Page	8334/627
Instrument	3543415

Lender

Name	AMERICAN FIRST CU
Type	Credit Union
Address	OGDEN, UT 84405

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	291 N 2975 W, LAYTON, UT 84041-8835
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07339/1434
Date	Sep 4, 2019
Book Page	7339/1434
Instrument	3184561

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	291 N 2975 W, LAYTON, UT 84041-8835
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07934/1039
Date	Jan 27, 2022
Book Page	7934/1039
Instrument	3452864

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DAVIS UT
Recording Date	Sep 17, 2021
Property Address	291 N 2975 W, LAYTON, UT 84041-8835
Document Number	07846/2782
Book / Page	7846 / 2782
Instrument Date	Sep 13, 2021
Instrument	3419691
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	291 N 2975 W, LAYTON, UT 84041-8835

Mortgage

Document Number	0003419692
Date	Sep 17, 2021
Instrument	3419692

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DAVIS UT
Recording Date	Aug 10, 2020
Property Address	291 N 2975 W, LAYTON, UT 84041-8835
Document Number	07571/1366
Book / Page	7571 / 1366
Instrument Date	Aug 4, 2020
Instrument	3279963
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	291 N 2975 W, LAYTON, UT 84041-8835

Mortgage

Document Number	07571/1367
Date	Aug 10, 2020
Book Page	7571/1367
Instrument	3279964

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

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		$460,351 (-5.42%) Land $146,085 Building $314,266	$837,000 (-5.42%) Land $265,609 Building $571,391
2025	$4,637.00 (+4.89%)	$486,750 (-39.31%) Land $147,011 Building $339,739	$885,000 (+10.35%) Land $267,293 Building $617,707
2024	$4,421.00 (+2.77%)
2023	$4,302.00 (-5.84%)	$802,000 Land $169,856 Building $632,144	$802,000 Land $169,856 Building $632,144
2022	$4,569.00

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 May 21, 2026

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 80% of the US · lower than 88% of Utah
Wildfire Likelihood	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 118 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

May also be available: Rise Broadband, Utah Broadband.

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