640 S Main St, Payson, UT 84651 Property Records

Utah County property record for 640 S Main St, Payson, UT 84651

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,450 sqft · built 1964
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-126-0012`

Property Details

APN / Parcel Number

Primary APN	`08-126-0012`
Alternative APN	`011412`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
Gross Area	2,900 sqft
1st Floor Area	1,450 sqft
Basement Area	1,450 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1986
Architectural Style	A-Frame
Exterior Material	Metal
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Carport
Garage Area	364 sqft
Carport	Carport
Carport Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Open Slab
Porch Area	140 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	011412
Street Address	640 S MAIN ST
City	PAYSON
State	UT
Zip	84651-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 120 FT S OF THE NE COR LOT 4, PLAT 16, PLAT P, PAYSON CITY SURVEY; SEC 17, T 9 S, R 2 E, SLB&M; S 90 FT; W 171.19 FT; N 90 FT; E 171.19 FT TO BEG.
Legal Lot Number	4
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1046
Census Tract	3405

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Payson Historic District listed 2007 · 437 contributing resources · NRIS 07000666

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	640 S MAIN ST, PAYSON, UT 84651-3312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2019	Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK
Oct 26, 2018	Deed of Trust, Mortgage · VA Mortgage BBMC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2003
Deed Sale	Aug 5, 2003
Deed Document Number	2003121957
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	640 S MAIN ST, PAYSON, UT 84651-3312
Document Number	0000072798
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	SOLIDIFI TITLE AGENCY/UT LLC, SOLIDIFI TITLE AGCY/UT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 S MAIN ST PAYSON UT 846513312, PAYSON, UT 84651-3312

Mortgage

Document Number	0000072798
Date	Aug 1, 2019
Instrument	72798

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	640 S MAIN ST, PAYSON, UT 84651-3312
Document Number	0000117168
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 S MAIN ST PAYSON UT 846513312, PAYSON, UT 84651-3312

Mortgage

Document Number	0000117168
Date	Dec 11, 2018
Instrument	117168

Lender

Name	BBMC MTG
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Utah
County	Utah County
Municipality	Payson City
Unified School District	Nebo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,285 (-44.22%)	$438,700 (+1.41%) Land $137,100 Building $301,600
2025	$2,366.00	$432,600 (+91.51%) Land $130,600 Building $302,000	$432,600 (+5.33%) Land $130,600 Building $302,000
2024	$2,366.00 (+6.91%)
2023	$2,213.00 (-1.34%)	$225,885	$410,700 Land $112,500 Building $298,200
2022	$2,243.00

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 June 22, 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.

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	None beyond 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	PAYSON CITY WATER SYSTEM serves 19,000 people · EPA ID UTAH25021
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) 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 355 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
Utah Broadband Fixed Wireless	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Intellipop, Rise Broadband, Verizon.

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