645 E 400 S, Spanish Fork, UT 84660 Property Records

Utah County property record for 645 E 400 S, Spanish Fork, UT 84660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,192 sqft · built 1969
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$413,000 (Sep 2018)
Tax Bill	$3,344 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-002-0007`

Property Details

APN / Parcel Number

Primary APN	`07-002-0007`
Alternative APN	`007637`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	4,514 sqft
1st Floor Area	2,192 sqft
Basement Area	1,650 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1990
Architectural Style	A-Frame
Exterior Material	Brick/Stone
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	537 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	007637
Street Address	645 E 400 S
City	SPANISH FORK
State	UT
Zip	84660-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM. AT SE COR OF LOT 2, BLK 2, PLAT A, SPANISH FORK CITY SURVEY; W 132 FT; N 6 RODS; E 132 FT; S 6 RODS TO BEG.
Legal Block	2
Legal Lot Number	2
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1000
Census Tract	3203

Owner

645 E 400 S is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	645 E 400 S, SPANISH FORK, UT 84660-2428
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
Aug 17, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG
Jan 17, 2020	Deed of Trust, Mortgage PROVIDENT FNDG
Sep 6, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 28, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2018 · Amount on File
Deed Sale	Sep 6, 2018 · Amount on File
Prior Sale	Jun 28, 2017 · Amount on File
Deed Document Number	201884981:2018
Prior Transfer Date	Aug 20, 2007
Prior Transfer Doc	0000154209
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	645 E 400 S, SPANISH FORK, UT 84660-2428
Document Number	0000125017
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	STEWART TITLE, STEWART TITLE INS AGCY/UT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E 400 S SPANISH FORK UT 846602428, SPANISH FORK, UT 84660-2428

Mortgage

Document Number	0000125017
Date	Aug 21, 2020
Instrument	125017

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	645 E 400 S, SPANISH FORK, UT 84660-2428
Document Number	0000008884
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	STEWART TITLE, STEWART TITLE INS AGCY/UT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E 400 S SPANISH FORK UT 846602428, SPANISH FORK, UT 84660-2428

Mortgage

Document Number	0000008884
Date	Jan 23, 2020
Instrument	8884

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Sep 6, 2018
Property Address	645 E 400 S, SPANISH FORK, UT 84660-2428
Document Number	0000084981
Instrument Date	Sep 4, 2018
Instrument	084981:2018
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E 400 S, SPANISH FORK, UT 84660-2428

Mortgage

Document Number	0000084994
Date	Sep 6, 2018
Instrument	084994:2018

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Jun 28, 2017
Property Address	645 E 400 S, SPANISH FORK, UT 84660-2428
Document Number	0000062602
Instrument Date	Jun 23, 2017
Instrument	062602:2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	GT TITLE SERVICES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 E 400 S, SPANISH FORK, UT 84660-2428

Mortgage

Document Number	0000062603
Date	Jun 28, 2017
Instrument	062603:2017

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 645 E 400 S was $3,344.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$354,035 (-43.92%)	$643,700 (+1.96%) Land $158,800 Building $484,900
2025	$3,344.00	$631,300 Land $158,800 Building $472,500	$631,300 Land $158,800 Building $472,500
2024	$3,344.00 (+8.78%)
2023	$3,074.00 (+6.07%)	$317,240	$576,800 Land $151,000 Building $425,800
2022	$2,898.00

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

Flood

FEMA maps place 645 E 400 S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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
Nearby Flood Claims	1 (1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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 645 E 400 S is low, with less than 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 99.8% of the US · lower than 99.9% of Utah
Wildfire Likelihood	Under 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	SPANISH FORK CITY serves 47,169 people · EPA ID UTAH25003
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 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	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 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SFCN Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Utah Broadband, Verizon.

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