54 Oak St, Smithfield, UT 84335 Property Records

Cache County property record for 54 Oak St, Smithfield, UT 84335

Property Summary

Property Type	Single Family Home
Details	1,935 sqft · built 1974
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$174,100 (May 2016)
Tax Bill	$1,728 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-141-0018`

Property Details

APN / Parcel Number

Primary APN	`08-141-0018`

Interior

Building Area	1,935 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Street Address	54 OAK ST
City	SMITHFIELD
State	UT
Zip	84335-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 8 T EARL ALLSOP SUBD AMEND NO 1 W/2 SEC 22 T 13N R 1E
Legal Range	01E
Legal Township	13N
Legal Section	22
Legal Subdivision	EARL ALLSOP SUBD
Legal Block	8
Legal Lot Number	4
Jurisdiction	CACHE UT
Township / Civil Division	SMITHFIELD
Census Block Group	1
Census Block	1024
Census Tract	201

Owner

54 Oak St is owned and occupied by two individuals who bought it in May 2016.

Source: Cache County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	54 OAK ST, SMITHFIELD, UT 84335-1713
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
Apr 16, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Dec 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 10, 2020	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2016 · Amount on File
Deed Sale	May 13, 2016 · Amount on File
Prior Sale	May 15, 2009 · Amount on File
Deed Document Number	20161147173
Deed Book / Page	1895 / 1396
Prior Transfer Date	May 14, 2009
Prior Transfer Doc	1572/1046
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Recording Date	Apr 16, 2026
Property Address	54 OAK ST, SMITHFIELD, UT 84335-1713
Document Number	0001395365
Book / Page	2539 / 1233
Instrument Date	Mar 11, 2026
Instrument	20261395365
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	54 OAK ST, SMITHFIELD, UT 84335-1713

Mortgage

Document Number	0001395365,
Date	Apr 16, 2026
Book Page	2539/1233
Instrument	20261395365

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Aug 1, 2050

Interest

Rate	6.09%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Property Address	54 OAK ST, SMITHFIELD, UT 84335-1713
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02308/1023
Date	Dec 17, 2021
Book Page	2308/1023
Instrument	1307643

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Aug 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CACHE UT
Property Address	54 OAK ST, SMITHFIELD, UT 84335-1713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANGUARD TITLE INS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2152/432
Date	Jun 10, 2020
Book Page	2152/432
Instrument	1249003

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 54 Oak St was $1,728.

Source: Cache County assessment roll, as of November 6, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,728.00	$231,450	$420,818 Land $142,500 Building $278,318
2023	$1,666.00	$197,965	$359,940 Land $69,000 Building $290,940

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

Flood

FEMA maps place 54 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective January 16, 2025 · 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
Nearby Flood Claims	1 (1980)
Most Recent Claim	May 1980 · 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 54 Oak St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 75% of Utah
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	SMITHFIELD CITY serves 10,223 people · EPA ID UTAH03020
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Tristate Wi-Fi by Wi-Fiber Fixed Wireless	499 / 285

May also be available: Rise Broadband.

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