426 N 2975 W, Layton, UT 84041 Property Records

Davis County property record for 426 N 2975 W, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,504 sqft · built 2005
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$529,300 (Jun 2020)
Tax Bill	$4,291 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-561-1204`

Property Details

APN / Parcel Number

Primary APN	`12-561-1204`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,504 sqft Living Area
Basement Area	2,594 sqft
Unfinished Basement	2,594 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
View / Lot	Corner
Garage Area	904 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	426 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 1204, WILD HORSE SPRINGS SUB PHASE 12. CONT. 0.45 ACRES
Legal Subdivision	WILD HORSE SPRINGS PHASE 12
Legal Phase	12
Legal Lot Number	1204
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	1
Census Block	1020
Census Tract	125415

Owner

426 N 2975 W is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	426 N 2975 W, LAYTON, UT 84041-8837
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
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNET BANK OF INDIANA
Jul 2, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICA FIRST FCU
Jun 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on File
Deed Sale	Jun 3, 2020 · Amount on File
Prior Sale	Aug 11, 2005 · Amount on File
Deed Document Number	20203257547
Deed Book / Page	7526 / 813
Prior Transfer Date	Aug 8, 2005
Prior Transfer Doc	0002096041
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	426 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	INVESTORS TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07665/1934
Date	Dec 29, 2020
Book Page	7665/1934
Instrument	3331427

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	426 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07461/1233
Date	Mar 3, 2020
Book Page	7461/1233
Instrument	3231061

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	426 N 2975 W, LAYTON, UT 84041-8837
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07794/2338
Date	Jul 2, 2021
Book Page	7794/2338
Instrument	3396706

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 30, 2031

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DAVIS UT
Recording Date	Jun 3, 2020
Property Address	426 N 2975 W, LAYTON, UT 84041-8837
Document Number	007526/813
Book / Page	7526 / 813
Instrument Date	May 29, 2020
Instrument	3257547
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	INVESTORS TITLE INS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 N 2975 W, LAYTON, UT 84041-8837

Mortgage

Document Number	0003257548
Date	Jun 3, 2020
Instrument	3257548

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 426 N 2975 W was $4,291.

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		$454,850 (+0.98%) Land $154,436 Building $300,414	$827,000 (+0.98%) Land $280,793 Building $546,207
2025	$4,291.00	$450,450 Land $155,069 Building $295,381	$819,000 Land $281,943 Building $537,057
2024	$4,291.00 (+3.2%)
2023	$4,158.00 (-6.79%)	$775,000 Land $182,800 Building $592,200	$775,000 Land $182,800 Building $592,200
2022	$4,461.00

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

Flood

FEMA maps place 426 N 2975 W 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 426 N 2975 W is low, with 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 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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