535 S 1040 W, American Fork, UT 84003 Property Records

Utah County property record for 535 S 1040 W, American Fork, UT 84003

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 1,953 sqft · built 2021
Lot Size	0.019 acres (836 sqft)
Owner	Individual Name on File
Tax Bill	$2,076 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-676-0390`

Property Details

APN / Parcel Number

Primary APN	`51-676-0390`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,953 sqft Living Area
Gross Area	2,452 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Other
Lot Area	836 sqft (0.019 acres)
Garage Type	Attached
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	157 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	535 S 1040 W
City	AMERICAN FORK
State	UT
Zip	84003-4456
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT T-390, ROCKWELL RANCH BLK 3, PHASE 2 SUB AREA 0.019 AC.
Legal Subdivision	ROCKWELL RANCH BLOCK 3 PH 2 PLAT
Legal Phase	2
Legal Block	3
Legal Lot Number	T-390
Jurisdiction	UTAH UT
Township / Civil Division	LEHI
Census Block Group	2
Census Block	2047
Census Tract	10131

Owner

535 S 1040 W, a townhouse, is owned and occupied by an individual who acquired it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	535 S 1040 W, AMERICAN FORK, UT 84003-4456
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
Jul 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Dec 1, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMIE LOANS LLC
Jun 10, 2021	Special Warranty Deed, Transfer COTTONWOOD TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021
Deed Sale	Dec 1, 2021
Prior Sale	Jun 10, 2021
Deed Document Number	2021200631
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	535 S 1040 W, AMERICAN FORK, UT 84003-4456
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079231
Date	Jul 11, 2022
Instrument	79231:2022

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

December 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Dec 1, 2021
Property Address	535 S 1040 W, AMERICAN FORK, UT 84003-4456
Document Number	0000200631
Instrument Date	Nov 30, 2021
Instrument	200631:2021
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 6, 2023
Title Company	COTTONWOOD TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	535 S 1040 W, AMERICAN FORK, UT 84003-4456

Mortgage

Document Number	0000200632
Date	Dec 1, 2021
Instrument	200632:2021

Lender

Name	HOMIE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Jun 10, 2021
Property Address	535 S 1040 W, AMERICAN FORK, UT 84003-4456
Document Number	0000106478
Instrument Date	Jun 8, 2021
Instrument	106478:2021
Transaction Type	Transfer
Record Updated	Jan 6, 2023
Title Company	COTTONWOOD TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 S 850 E # 4300, 4300, LEHI, UT 84043-4142
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 535 S 1040 W was $2,076.

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

Property Jurisdictions

Type	Name
State	Utah
Municipality	American Fork City
County	Utah County
Unified School District	Alpine School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$238,810 (-44.73%)	$434,200 (+0.49%) Land $67,500 Building $366,700
2025	$2,076.00	$432,100 Land $63,500 Building $368,600	$432,100 Land $63,500 Building $368,600
2024	$2,076.00 (+4.01%)
2023	$1,996.00 (+8.48%)	$235,180	$427,600 Land $62,900 Building $364,700
2022	$1,840.00

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

Flood

FEMA maps place 535 S 1040 W in Zone X, an area of minimal flood risk.

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 10 policies
Nearby Flood Policies	10 in force

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 535 S 1040 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	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink Fiber	1,000 / 1,000

May also be available: Lehi Fiber Network, Utah Broadband, Verizon.

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