578 N 640 W, Orem, UT 84057 Property Records

Utah County property record for 578 N 640 W, Orem, UT 84057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 864 sqft · built 1971
Lot Size	0.176 acres (7,660 sqft)
Owner	2 Individual Names on File
Last Sale	$150,800 (May 2001)
Tax Bill	$1,786 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-031-0007`

Property Details

APN / Parcel Number

Primary APN	`48-031-0007`
Alternative APN	`070241`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1990
Architectural Style	Bi-Level
Exterior Material	Metal
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,660 sqft (0.176 acres)
Porch	Open Slab
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	070241
Street Address	578 N 640 W
City	OREM
State	UT
Zip	84057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, BLK 4, PLAT B, ORCHARD ACRES SUB AREA 0.176 AC.
Legal Subdivision	ORCHARD ACRES SUB
Legal Block	4
Legal Lot Number	7
Jurisdiction	UTAH UT
Township / Civil Division	PROVO-OREM
Census Block Group	3
Census Block	3015
Census Tract	801

Owner

578 N 640 W is owned by two individuals who bought it in May 2001.

Source: Utah County records, as of July 20, 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 File
Mailing Address	580 N 640 W, OREM, UT 84057-3720
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit UTAH COMMUNITY CU
Jan 4, 2021	Deed of Trust, Mortgage UTAH CMNTY FCU
Sep 8, 2017	Deed of Trust, Mortgage · Line of Credit UTAH CMNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2001 · Amount on File
Deed Sale	May 8, 2001 · Amount on File
Prior Sale	May 24, 1999 · Amount on File
Deed Document Number	200144811
Prior Transfer Date	May 3, 2001
Prior Transfer Doc	0000044811
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	578 N 640 W, OREM, UT 84057
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077189
Date	Oct 7, 2025
Instrument	77189:2025

Lender

Name	UTAH COMMUNITY CU
Type	Credit Union
Address	PROVO, UT 84604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	578 N 640 W, OREM, UT 84057-3720
Document Number	0000004197
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	SKYLINE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	578 N 640 W OREM UT 84057, OREM, UT 84057

Mortgage

Document Number	0000004197
Date	Jan 8, 2021
Instrument	4197

Lender

Name	UTAH CMNTY FCU
Type	Credit Union
Address	PROVO, UT 84604

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	578 N 640 W, OREM, UT 84057-3720
Document Number	0000089519
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	580 N 640 W OREM UT 840573720, OREM, UT 84057-3720

Mortgage

Document Number	0000089519
Date	Sep 13, 2017
Instrument	89519

Lender

Name	UTAH CMNTY FCU
Type	Credit Union
Address	PROVO, UT 84604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 12, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 578 N 640 W was $1,786.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$235,840 (-42.17%)	$428,800 (+5.15%) Land $185,600 Building $243,200
2025	$1,786.00	$407,800 Land $185,600 Building $222,200	$407,800 Land $185,600 Building $222,200
2024	$1,786.00 (+12.75%)
2023	$1,584.00 (-2.7%)	$208,285	$378,700 Land $176,800 Building $201,900
2022	$1,628.00

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

Flood

FEMA maps place 578 N 640 W in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2015 · other causes

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

The area around 578 N 640 W has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OREM CITY WATER SYSTEM serves 98,129 people · EPA ID UTAH25020
Water Source	Purchased surface water from CENTRAL UTAH WCD - UTAH VALLEY
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Utah Broadband.

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