314 N 2975 W, Layton, UT 84041 Property Records

Davis County property record for 314 N 2975 W, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,083 sqft · built 2005
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Aug 2012)
Tax Bill	$4,055 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12-560-1105`

Property Details

APN / Parcel Number

Primary APN	`12-560-1105`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,083 sqft Living Area
Basement Area	1,678 sqft
Unfinished Basement	1,678 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
View / Lot	Corner
Garage Area	958 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	314 N 2975 W
City	LAYTON
State	UT
Zip	84041-8836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	ALL OF LOT 1105, WILD HORSE SPRINGS SUB PHASE 11. CONT 0.31 ACRES
Legal Subdivision	WILD HORSE SPRINGS PHASE 11
Legal Phase	11
Legal Lot Number	1105
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1021
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	314 N 2975 W, LAYTON, UT 84041-8836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit GOLDENWEST FCU
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HOME LENDING INC
Jan 27, 2020	Deed of Trust, Mortgage CORNERSTONE HM LNDG
Sep 6, 2018	Deed of Trust, Mortgage CORNERSTONE HM LNDG
Feb 27, 2018	Deed of Trust, Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2012 · Amount on Record
Deed Sale	Aug 14, 2012 · Amount on Record
Prior Sale	Dec 29, 2011 · Amount on Record
Deed Document Number	20122679987
Deed Book / Page	5584 / 860
Prior Transfer Date	Aug 9, 2012
Prior Transfer Doc	5584/0876
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	314 N 2975 W, LAYTON, UT 84041-8836
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	LINCOLN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008168/75
Date	Jan 9, 2023
Book Page	8168/75
Instrument	3513657

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	314 N 2975 W, LAYTON, UT 84041-8836
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007946/489
Date	Feb 14, 2022
Book Page	7946/489
Instrument	3456788

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	314 N 2975 W, LAYTON, UT 84041-8836
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003331859
Date	Dec 30, 2020
Book Page	7666/849
Instrument	3331859

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	314 N 2975 W, LAYTON, UT 84041-8836
Document Number	0003222755
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	314 N 2975 W LAYTON UT 840418836, LAYTON, UT 84041-8836

Mortgage

Document Number	0003222755
Date	Jan 31, 2020
Book Page	007440/000716
Instrument	3222755

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	314 N 2975 W, LAYTON, UT 84041-8836
Document Number	0003116667
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	314 N 2975 W LAYTON UT 840418836, LAYTON, UT 84041-8836

Mortgage

Document Number	0003116667
Date	Sep 12, 2018
Book Page	007097/001004
Instrument	3116667

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	314 N 2975 W, LAYTON, UT 84041-8836
Document Number	0003079486
Instrument Date	Feb 27, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	314 N 2975 W LAYTON UT 840418836, LAYTON, UT 84041-8836

Mortgage

Document Number	0003079486
Date	Mar 5, 2018
Book Page	006964/000496
Instrument	3079486

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

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		$420,200 (-1.29%) Land $129,188 Building $291,012	$764,000 (-1.29%) Land $234,888 Building $529,112
2025	$4,055.00 (-0.42%)	$425,701 (-42.55%) Land $130,202 Building $295,499	$774,000 (+4.45%) Land $236,730 Building $537,270
2024	$4,072.00 (+2.44%)
2023	$3,975.00 (-6.21%)	$741,000 Land $148,423 Building $592,577	$741,000 Land $148,423 Building $592,577
2022	$4,238.00

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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