402 N 2975 W, Layton, UT 84041 Property Records

Davis County property record for 402 N 2975 W, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,359 sqft · built 2005
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$524,900 (Mar 2018)
Tax Bill	$3,736 (2025)
Deeds & Mortgages	Jun 2019 Mortgage May 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`12-561-1203`

Property Details

APN / Parcel Number

Primary APN	`12-561-1203`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,359 sqft Living Area
Basement Area	1,691 sqft
Unfinished Basement	1,691 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	18,731 sqft (0.43 acres)
Garage Area	841 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	402 N 2975 W
City	LAYTON
State	UT
Zip	84041-8837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	ALL OF LOT 1203, WILD HORSE SPRINGS SUB PHASE 12. CONT. 0.43 ACRES
Legal Subdivision	WILD HORSE SPRINGS SUB PH 12
Legal Phase	12
Legal Lot Number	1203
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1020
Census Tract	125415

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	402 N 2975 W, LAYTON, UT 84041-8837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITY CREEK MORTGAGE CORP
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY CREEK MORTGAGE CORP
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY CREEK MORTGAGE CORP
Mar 27, 2018	Warranty Deed, Transfer STEARNS LNDG
Mar 23, 2018	Deed of Trust, Mortgage STEARNS LNDG
Apr 4, 2018	Quit Claim Deed, Transfer HIGHLAND TITLE AGENCY INC, HIGHLAND TITLE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2018 · Amount on Record
Deed Sale	Mar 27, 2018 · Amount on Record
Prior Sale	Jul 28, 2011 · Amount on Record
Deed Document Number	20183083780
Deed Book / Page	6980 / 545
Prior Transfer Date	Jan 7, 2005
Prior Transfer Doc	03703/0311
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	SILVER LEAF TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07289/1021
Date	Jun 21, 2019
Book Page	7289/1021
Instrument	3167745

Lender

Name	CITY CREEK MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	VANGUARD TITLE INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007514/181
Date	May 15, 2020
Book Page	7514/181
Instrument	3251562

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANDY, UT 84070

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	VANGUARD TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07514/2074
Date	May 15, 2020
Book Page	7514/2074
Instrument	3251790

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANDY, UT 84070

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	SILVER LEAF TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07655/1225
Date	Dec 11, 2020
Book Page	7655/1225
Instrument	3325294

Lender

Name	CITY CREEK MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	SILVER LEAF TITLE INSU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07842/2044
Date	Sep 13, 2021
Book Page	7842/2044
Instrument	3417905

Lender

Name	CITY CREEK MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIS UT
Recording Date	Mar 27, 2018
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Document Number	0003083780
Book / Page	006980 / 000545
Instrument Date	Mar 26, 2018
Instrument	3083780
Transaction Type	Transfer
Record Updated	Apr 10, 2018
Title Company	HIGHLAND TITLE AGENCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 N 2975 W LAYTON UT 840418837, LAYTON, UT 84041-8837

Mortgage

Document Number	3083824
Date	Mar 27, 2018
Book Page	006980/000682
Instrument	3083824

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Document Number	0003085521
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	HIGHLAND TITLE AGENCY INC, HIGHLAND TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 N 2975 W LAYTON UT 840418837, LAYTON, UT 84041-8837

Mortgage

Document Number	0003085521
Date	Apr 4, 2018
Book Page	006986/000161
Instrument	3085521

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DAVIS UT
Recording Date	Apr 4, 2018
Property Address	402 N 2975 W, LAYTON, UT 84041-8837
Document Number	0003085520
Book / Page	006986 / 000158
Instrument Date	Mar 23, 2018
Instrument	3085520
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	HIGHLAND TITLE AGENCY INC, HIGHLAND TITLE AGCY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 N 2975 W LAYTON UT 840418837, LAYTON, UT 84041-8837

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		$398,750 (+1.68%) Land $159,063 Building $239,687	$725,000 (+1.68%) Land $289,205 Building $435,795
2025	$3,736.00 (+0.19%)	$392,150 (-41.9%) Land $159,787 Building $232,363	$713,000 (+5.63%) Land $290,521 Building $422,479
2024	$3,729.00 (+2.98%)
2023	$3,621.00 (-6.14%)	$675,000 Land $187,593 Building $487,407	$675,000 Land $187,593 Building $487,407
2022	$3,858.00

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 160 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Utah Broadband, Verizon.

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