3198 W Gentile St, Layton, UT 84041 Property Records

Davis County property record for 3198 W Gentile St, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 4,202 sqft · built 1913
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$7,500 (Feb 2012)
Tax Bill	$3,646 (2025)
Deeds & Mortgages	Apr 2019 Construction Loan Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-109-0321`

Property Details

APN / Parcel Number

Primary APN	`12-109-0321`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,202 sqft Living Area

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
View / Lot	Corner
Garage Area	1,112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3198 W GENTILE ST
City	LAYTON
State	UT
Zip	84041-8744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	BEG AT A PT ON THE S LINE OF PPTY CONV IN WARRANTY DEED RECORDED 02/14/2008 AS E# 2341676 BK 4470 PG 979 SD PT BEING N 0^9'50" E 33 FT & S 89^50'56" E 149.00 FT & N 0^9'50 E 9.0 FT FR THE SW COR OF SE
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1025
Census Tract	125415

Owner

3198 W Gentile St is owned and occupied by two individuals who bought it in February 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	3198 W GENTILE ST, LAYTON, UT 84041-8744
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
Apr 2, 2019	Deed of Trust, Mortgage · Construction Mortgage ZB NA
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Feb 6, 2020	Deed of Trust, Mortgage · Line of Credit ZB NA
Jan 1, 2020	Loan Modification, Mortgage ZIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2012 · Amount on File
Deed Sale	Feb 23, 2012 · Amount on File
Prior Sale	Apr 1, 2008 · Amount on File
Deed Document Number	20122645134
Deed Book / Page	5464 / 1162
Prior Transfer Date	Feb 18, 2012
Prior Transfer Doc	0002645134
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	3198 W GENTILE ST, LAYTON, UT 84041-8744
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3198 W GENTILE ST, LAYTON, UT 84041-8744

Mortgage

Document Number	0003151352
Date	Apr 2, 2019
Book Page	7232/0101
Instrument	3151352

Lender

Name	ZB NA
Type	Bank
Address	SALT LAKE CITY, UT 84133

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	3198 W GENTILE ST, LAYTON, UT 84041-8744
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOUTH VALLEY TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003267754
Date	Jul 7, 2020
Book Page	7548/1492
Instrument	3267754

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	3198 W GENTILE ST, LAYTON, UT 84041-8744
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INWEST TITLE SERVIC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003224732
Date	Feb 6, 2020
Book Page	7444/1193
Instrument	3224732

Lender

Name	ZB NA
Type	Bank
Address	OGDEN, UT 84401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DAVIS UT
Property Address	3198 W GENTILE ST, LAYTON, UT 84041-8744
Document Number	0003215921
Instrument Date	Jan 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3198 W GENTILE ST LAYTON UT 840418744, LAYTON, UT 84041-8744

Mortgage

Document Number	0003215921
Date	Jan 3, 2020
Book Page	007421/000344
Instrument	3215921

Lender

Name	ZIONS BK
Type	Bank
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Term	360 Months
Due	Jan 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3198 W Gentile St was $3,646, up 3.6% 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		$377,850 (-1.29%) Land $136,014 Building $241,836	$687,000 (-1.29%) Land $247,298 Building $439,702
2025	$3,646.00 (+3.55%)	$382,800 Land $136,298 Building $246,502	$696,000 Land $247,814 Building $448,186
2024	$3,521.00 (+0.83%)
2023	$3,492.00 (-11.84%)	$651,000 Land $204,500 Building $446,500	$651,000 Land $204,500 Building $446,500
2022	$3,961.00

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

Flood

FEMA maps place 3198 W Gentile St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3198 W Gentile St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 73% of Utah
Wildfire Likelihood	0.06% 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 320 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Utah Broadband.

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