Davis County property record for 427 E Penny Ln, Clearfield, UT 84015
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,748 sqft · built 2020 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,258 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2020 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-027-0004 |
| Primary APN | 15-027-0004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,748 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,307 sqft (0.03 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 427 E PENNY LN |
|---|---|
| City | CLEARFIELD |
| State | UT |
| Zip | 84015-2732 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | ALL OF LOT 4, MASONIC TEMPLE SUBDIVISION AMENDED. CONT. 0.03000 ACRES |
| Legal Lot Number | 4 |
| Jurisdiction | DAVIS UT |
| Township / Civil Division | NORTH DAVIS |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 125701 |
Source: Davis County records, as of November 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 427 E PENNY LN, CLEARFIELD, UT 84015-2732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK |
| Oct 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GATEWAY FIRST BANK |
| Oct 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK |
| Aug 28, 2020 | Warranty Deed, Transfer · FHA Mortgage GATEWAY FIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2020 |
| Deed Sale | Aug 28, 2020 |
| Deed Document Number | 3287814 |
| Deed Book / Page | 7585 / 4180 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIS UT |
| Property Address | 427 E PENNY LN, CLEARFIELD, UT 84015-2732 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Title Company | VANGUARD TITLE INSURANCE, VANGUARD TITLE INS |
| Name | Verified Name |
|---|
| Document Number | 7830/736 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 7830/736 |
| Instrument | 3412141 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIS UT |
| Property Address | 427 E PENNY LN, CLEARFIELD, UT 84015-2732 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | PLATINUM TITLE SERV |
| Name | Verified Name |
|---|
| Document Number | 7628/5035 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 7628/5035 |
| Instrument | 3310562 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | FLINT, MI 48501 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIS UT |
| Property Address | 427 E PENNY LN, CLEARFIELD, UT 84015-2732 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | PLATINUM TTL OF SOUTH FL INC |
| Name | Verified Name |
|---|
| Document Number | 7628/5019 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 7628/5019 |
| Instrument | 3310561 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAVIS UT |
| Recording Date | Aug 28, 2020 |
| Property Address | 427 E PENNY LN, CLEARFIELD, UT 84015-2732 |
| Document Number | 7585/4180 |
| Book / Page | 7585 / 4180 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 3287814 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | PLATINUM TITLE SER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 427 EAST PENNEY LANE, CLEARFIELD, UT 84015-2732 |
| Document Number | 3287815 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 3287815 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Number | 7585/4195 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 7585/4195 |
| Instrument | 3287816 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Davis County assessment roll, as of January 1, 2024
| Type | Name |
|---|---|
| State | Utah |
| County | Davis County |
| Municipality | Clearfield City |
| Unified School District | Davis School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,258.00 (+2.68%) | $202,400 (-46.6%) Land $58,300 Building $144,100 | $368,000 (-2.9%) Land $106,000 Building $262,000 |
| 2024 | $2,199.00 (-3.85%) | ||
| 2023 | $2,287.00 (-2.43%) | $379,000 Land $72,000 Building $307,000 | $379,000 Land $72,000 Building $307,000 |
| 2022 | $2,344.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLEARFIELD CITY WATER SYSTEM serves 33,540 people · EPA ID UTAH06002 |
|---|---|
| Water Source | Purchased surface water from WEBER BASIN WCD - CENTRAL |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected Dec 2024 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 233 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 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Beehive Broadband, CenturyLink, Connext Networks, SenaWave.
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