397 W 3950 N, Provo, UT 84604 Property Records

Utah County property record for 397 W 3950 N, Provo, UT 84604

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,883 sqft · built 2004
Lot Size	0.304 acres (13,242 sqft)
Owner	2 Individual Names on File
Last Sale	$548,800 (Jun 2021)
Tax Bill	$6,771 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-169-0005`

Property Details

APN / Parcel Number

Primary APN	`36-169-0005`
Alternative APN	`044511`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,883 sqft Living Area
Gross Area	6,889 sqft
1st Floor Area	2,014 sqft
Basement Area	2,220 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	A-Frame
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,242 sqft (0.304 acres)
Garage Type	Attached
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Slab
Porch Area	374 sqft
Deck Area	Deck Area
Patio Area	207 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	044511
Street Address	397 W 3950 N
City	PROVO
State	UT
Zip	84604-4950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5, PLAT A, COVE WOOD SUBDV. AREA 0.304 AC.
Legal Subdivision	COVE WOOD SUBDV
Legal Lot Number	5
Jurisdiction	UTAH UT
Township / Civil Division	PROVO-OREM
Census Block Group	1
Census Block	1015
Census Tract	1401

Owner

397 W 3950 N is owned and occupied by two individuals who bought it in June 2021.

Source: Utah County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	397 W 3950 N, PROVO, UT 84604-4950
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
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN AMERICA FCU
Jun 30, 2021	Intrafamily Transfer, Transfer INWEST TITLE
May 8, 2017	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Aug 12, 2013 · Amount on File
Deed Document Number	2021116783
Prior Transfer Date	Jun 1, 2021
Prior Transfer Doc	0000116792
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Jun 30, 2021
Property Address	397 W 3950 N, PROVO, UT 84604-4950
Document Number	0000116783
Instrument Date	Jun 25, 2021
Instrument	116783:2021
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	INWEST TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 W 3950 N, PROVO, UT 84604-4950

Mortgage

Document Number	0000116784
Date	Jun 30, 2021
Instrument	116784:2021

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Jun 30, 2021
Property Address	397 W 3950 N, PROVO, UT 84604-4950
Document Number	0000116792
Instrument Date	Jun 1, 2021
Instrument	116792:2021
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	INWEST 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	397 W 3950 N, PROVO, UT 84604-4950

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	397 W 3950 N, PROVO, UT 84604-4950
Document Number	0000046814
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 W 3950 N PROVO UT 846044950, PROVO, UT 84604-4950

Mortgage

Document Number	0000046814
Date	May 15, 2017
Instrument	46814

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 397 W 3950 N was $6,771, up % from the year before.

Source: Utah County assessment roll, as of July 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$731,115 (-40.5%)	$1,329,300 (+8.19%) Land $372,400 Building $956,900
2025	$6,771.00 (+0.01%)	$1,228,700 Land $372,400 Building $856,300	$1,228,700 Land $372,400 Building $856,300
2024	$6,770.00 (-5.55%)
2023	$7,168.00 (+9.67%)	$695,585	$1,264,700 Land $354,700 Building $910,000
2022	$6,536.00

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

Flood

FEMA maps place 397 W 3950 N in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective June 22, 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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (1983–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2013 · rainfall accumulation

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 397 W 3950 N is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.3% of Utah
Wildfire Likelihood	Under 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	PROVO CITY serves 116,288 people · EPA ID UTAH25006
Water Source	Purchased surface water from CENTRAL UTAH WCD - UTAH VALLEY
Last State Inspection	Sep 2023
Lead	4 ppb (2023–2025) 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Beehive Broadband, CenturyLink, SenaWave, T-Mobile, Utah Telecommunication Open Infrastructure Agency.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W 3950 N

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