646 S 1550 E, Spanish Fork, UT 84660 Property Records

Utah County property record for 646 S 1550 E, Spanish Fork, UT 84660

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,039 sqft · built 1975
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$176,700 (Oct 2009)
Tax Bill	$2,153 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46-095-0006`

Property Details

APN / Parcel Number

Primary APN	`46-095-0006`
Alternative APN	`065232`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,039 sqft Living Area
Gross Area	2,389 sqft
1st Floor Area	1,039 sqft
Basement Area	975 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Architectural Style	Bi-Level
Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	375 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Slab
Porch Area	286 sqft
Deck Area	Deck Area
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	065232
Street Address	646 S 1550 E
City	SPANISH FORK
State	UT
Zip	84660-2727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6, BLK 1, PLAT C, MOUNT LOAFER SUB
Legal Subdivision	MOUNT LOAFER SUB
Legal Block	1
Legal Lot Number	6
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1009
Census Tract	3205

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	646 S 1550 E, SPANISH FORK, UT 84660-2727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jan 21, 2021	Deed of Trust, Mortgage PROVIDENT FNDG
Jul 19, 2019	Deed of Trust, Mortgage PROVIDENT FNDG
May 12, 2017	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Mar 24, 2017	Deed of Trust, Mortgage PROVIDENT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2009 · Amount on Record
Deed Sale	Oct 30, 2009 · Amount on Record
Prior Sale	Nov 20, 2008
Deed Document Number	2009113773
Prior Transfer Date	Oct 26, 2009
Prior Transfer Doc	0000113773
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	646 S 1550 E, SPANISH FORK, UT 84660-2727
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003778
Date	Jan 10, 2022
Instrument	3778:2022

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	646 S 1550 E, SPANISH FORK, UT 84660-2727
Document Number	0000014624
Instrument Date	Jan 21, 2021
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	MERIDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S 1550 E SPANISH FORK UT 846602727, SPANISH FORK, UT 84660-2727

Mortgage

Document Number	0000014624
Date	Jan 27, 2021
Instrument	14624

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 26, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	646 S 1550 E, SPANISH FORK, UT 84660-2727
Document Number	0000069021
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	MERIDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S 1550 E SPANISH FORK UT 846602727, SPANISH FORK, UT 84660-2727

Mortgage

Document Number	0000069021
Date	Jul 25, 2019
Instrument	69021

Lender

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

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2034

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	646 S 1550 E, SPANISH FORK, UT 84660-2727
Document Number	0000048616
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S 1550 E SPANISH FORK UT 846602727, SPANISH FORK, UT 84660-2727

Mortgage

Document Number	0000048616
Date	May 19, 2017
Instrument	48616

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	646 S 1550 E, SPANISH FORK, UT 84660-2727
Document Number	0000030140
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	MERIDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S 1550 E SPANISH FORK UT 846602727, SPANISH FORK, UT 84660-2727

Mortgage

Document Number	0000030140
Date	Mar 29, 2017
Instrument	30140

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2047

Tax Assessment & Valuation

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		$223,685 (-44.96%)	$406,700 (+0.07%) Land $151,500 Building $255,200
2025	$2,153.00 (+0.05%)	$406,400 (+97.83%) Land $151,500 Building $254,900	$406,400 (+8.81%) Land $151,500 Building $254,900
2024	$2,152.00 (+8.14%)
2023	$1,990.00 (-8.55%)	$205,425	$373,500 Land $144,300 Building $229,200
2022	$2,176.00

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	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	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 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SFCN Fiber	10,000 / 10,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Utah Broadband.

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