645 Saddlebrook Dr, Payson, UT 84651 Property Records

Utah County property record for 645 Saddlebrook Dr, Payson, UT 84651

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,150 sqft · built 2001
Lot Size	0.396 acres (17,261 sqft)
Owner	Individual Name on Record
Tax Bill	$2,967 (2025)
Deeds & Mortgages	May 2025 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`66-289-0004`

Property Details

APN / Parcel Number

Primary APN	`66-289-0004`
Alternative APNs	`527800004` `132076`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,150 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,150 sqft
Basement Area	1,150 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	A-Frame
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	17,261 sqft (0.396 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	4 Parking Spaces
Porch	Raised Porch
Porch Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	132076
Street Address	645 SADDLEBROOK DR
City	PAYSON
State	UT
Zip	84651-8641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, PLAT J, SADDLEBROOK ESTATES SUB AREA 0.396 AC.
Legal Subdivision	SADDLEBROOK ESTATES SUB
Legal Lot Number	4
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	4
Census Block	4020
Census Tract	10410

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	Individual Name on Record
Mailing Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Warranty Deed, Transfer · Line of Credit UTAH COMMUNITY CU
Nov 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN AMERICA FCU
Sep 14, 2018	Deed of Trust, Mortgage MOUNTAIN AMERICA FCU
Jun 16, 2017	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2025
Deed Sale	May 2, 2025
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Document Number	202532354
Prior Transfer Date	Nov 15, 2021
Prior Transfer Doc	0000194685
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	May 2, 2025
Property Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641
Document Number	0000032354
Instrument Date	May 2, 2025
Instrument	32354:2025
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641

Mortgage

Document Number	0000034538
Date	May 2, 2025
Instrument	34538:2025

Lender

Name	UTAH COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Nov 19, 2021
Property Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641
Document Number	0000194685
Instrument Date	Nov 15, 2021
Instrument	194685:2021
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE INSURANCE AGENCY, STEWART TITLE INSURANCE AGCY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641

Mortgage

Document Number	0000194686
Date	Nov 19, 2021
Instrument	194686:2021

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641
Document Number	0000089968
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 SADDLEBROOK DR PAYSON UT 846518641, PAYSON, UT 84651-8641

Mortgage

Document Number	0000089968
Date	Sep 19, 2018
Instrument	89968

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 18, 2033

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	645 SADDLEBROOK DR, PAYSON, UT 84651-8641
Document Number	0000060760
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SADDLEBROOK DR PAYSON UT 846518641, PAYSON, UT 84651-8641

Mortgage

Document Number	0000060760
Date	Jun 23, 2017
Instrument	60760

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$291,115 (-46.34%)	$529,300 (-2.43%) Land $208,000 Building $321,300
2025	$2,967.00	$542,500 (+90.82%) Land $198,100 Building $344,400	$542,500 (+4.95%) Land $198,100 Building $344,400
2024	$2,967.00 (+6.54%)
2023	$2,785.00 (-9.4%)	$284,295	$516,900 Land $170,800 Building $346,100
2022	$3,074.00

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 · 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 Policies	1 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	Moderate above 52% of the US · above 40% of Utah
Wildfire Likelihood	0.1% 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	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 516 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
Intellipop Fixed Wireless	1,000 / 1,000
Utah Broadband Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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