637 E 12860 S, Draper, UT 84020 Property Records

Salt Lake County property record for 637 E 12860 S, Draper, UT 84020

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,350 sqft · built 1996
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Apr 2010)
Tax Bill	$3,486 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Jul 2018 Loan Modification
Flood Zone	Zone X (moderate risk)
APN	`28-31-229-012`

Property Details

APN / Parcel Number

Primary APN	`28-31-229-012`
Alternative APN	`28-31-229-012-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,350 sqft Living Area
Gross Area	3,527 sqft
1st Floor Area	1,176 sqft
Upper Floors Area	1,174 sqft
Basement Area	561 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
View / Lot	Interior
Garage Type	Attached
Garage Area	484 sqft
Driveway	Concrete Driveway

Exterior Amenities

Pool Area	600 sqft
Porch	Covered Porch
Porch Area	132 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal

Location & Zoning

Street Address	637 E 12860 S
City	DRAPER
State	UT
Zip	84020-8976
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1113
Legal Description	LOT 207, WHISPERWOOD COVE #2 SUB. 7421-0479 8135-1265 9509-4816 9572-0596
Legal Range	1E
Legal Township	3S
Legal Section	31
Legal Subdivision	WHISPERWOOD COVE #2 SUB
Legal Block	2
Legal Lot Number	207
Jurisdiction	SALT LAKE UT
Township / Civil Division	SALT LAKE CITY
Census Block Group	2
Census Block	2024
Census Tract	112828

Owner

Source: Salt Lake County records, as of June 3, 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 Record
Mailing Address	637 E 12860 S, DRAPER, UT 84020-8976
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 23, 2018	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2010 · Amount on Record
Deed Sale	Apr 22, 2010 · Amount on Record
Prior Sale	Feb 20, 2008 · Amount on Record
Deed Document Number	2010938674
Deed Book / Page	9819 / 9445
Prior Transfer Date	Feb 14, 2008
Prior Transfer Doc	0010352161
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALT LAKE UT
Property Address	637 E 12860 S, DRAPER, UT 84020-8976
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014192885
Date	Jan 9, 2024
Book Page	11465/5566
Instrument	14192885

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SALT LAKE UT
Property Address	637 E 12860 S, DRAPER, UT 84020-8976
Document Number	0012827963
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	FIRST AMERICAN TITLE INSURANCE-API

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 E 12860 S DRAPER UT 840208976, DRAPER, UT 84020-8976

Mortgage

Document Number	0012827963
Date	Aug 13, 2018
Book Page	010702/001695
Instrument	12827963

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Salt Lake County assessment roll, as of June 3, 2026

Property Jurisdictions

Type	Name
State	Utah
County	Salt Lake County
Municipality	Draper City
Unified School District	Canyons School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,486.00 Homeowner's exemption	$678,100 (+92.19%) Land $283,300 Building $394,800	$678,100 (+5.71%) Land $283,300 Building $394,800
2024	$3,486.00 (+3.08%)
2023	$3,382.00 (-4.27%) Homeowner's exemption	$352,825 Land $139,975 Building $212,850	$641,500 Land $254,500 Building $387,000
2022	$3,533.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

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	WATERPRO INC private · serves 33,100 people · EPA ID UTAH18006
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Utah Broadband.

Nearby Properties on E 12860 S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures