654 Colonial St, Layton, UT 84041 Property Records

Davis County property record for 654 Colonial St, Layton, UT 84041

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,059 sqft · built 1969
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$350,716 (Feb 2026)
Tax Bill	$1,784 (2024)
Deeds & Mortgages	Feb 2026 Second Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-094-0092`

Property Details

APN / Parcel Number

Primary APN	`10-094-0092`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,059 sqft Living Area
Basement Area	605 sqft
Unfinished Basement	605 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 COLONIAL ST
City	LAYTON
State	UT
Zip	84041-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	ALL OF LOT 92, ASPEN EAST SUB #3. CONT. 0.23 ACRES
Legal Subdivision	ASPEN EAST NO 3
Legal Lot Number	92
Jurisdiction	DAVIS UT
Township / Civil Division	NORTH DAVIS
Census Block Group	2
Census Block	2007
Census Tract	125905

Owner

654 Colonial St is owned and occupied by an individual who bought it in February 2026.

Source: Davis County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	654 COLONIAL ST, LAYTON, UT 84041-3330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Feb 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CYPRUS FCU
Feb 6, 2026	Warranty Deed, Transfer · FHA Mortgage CYPRUS FCU
Oct 3, 2025	Warranty Deed, Transfer RICHLAND TITLE INSURANCE AGENCY, RICHLAND TITLE INS AGCY INC
Apr 5, 2024	Warranty Deed, Transfer COTTONWOOD TITLE, COTTONWOOD TTL INS AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2026 · Amount on File
Deed Sale	Feb 6, 2026 · Amount on File
Prior Sale	Oct 3, 2025
Deed Document Number	20263653655
Deed Book / Page	8928 / 1234
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIS UT
Property Address	654 COLONIAL ST, LAYTON, UT 84041-3330
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	PINNACLE LAND TITLE, PINNACLE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	08928/1257
Date	Feb 6, 2026
Book Page	8928/1257
Instrument	3653657

Lender

Name	CYPRUS FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIS UT
Recording Date	Feb 6, 2026
Property Address	654 COLONIAL ST, LAYTON, UT 84041-3330
Document Number	08928/1234
Book / Page	8928 / 1234
Instrument Date	Feb 5, 2026
Instrument	3653655
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	PRINCIPLE TITLE INSURANCE AGENCY INC, PINNACLE TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 COLONIAL ST, LAYTON, UT 84041-3330

Mortgage

Document Number	0003653656
Date	Feb 6, 2026
Instrument	3653656

Lender

Name	CYPRUS FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIS UT
Recording Date	Oct 3, 2025
Property Address	654 COLONIAL ST, LAYTON, UT 84041-3330
Document Number	008846/424
Book / Page	8846 / 424
Instrument Date	Oct 3, 2025
Instrument	3636857
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	RICHLAND TITLE INSURANCE AGENCY, RICHLAND TITLE INS AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 PONCE DE LEON BLVD # 2, 2, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIS UT
Recording Date	Apr 5, 2024
Property Address	654 COLONIAL ST, LAYTON, UT 84041-3330
Document Number	008475/906
Book / Page	8475 / 906
Map Reference	DOC 2466337
Instrument Date	Apr 4, 2024
Instrument	3566846
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	COTTONWOOD TITLE, COTTONWOOD TTL INS AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 520966, SALT LAKE CITY, UT 84152-0966

Tax Assessment & Valuation

Source: Davis County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Utah
County	Davis County
Municipality	Layton City
Unified School District	Davis School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$208,450 (+7.06%) Land $113,785 Building $94,665	$379,000 (+7.06%) Land $206,882 Building $172,118
2025		$194,700 Land $103,558 Building $91,142	$354,000 Land $188,287 Building $165,713
2024	$1,784.00 (+5.94%)
2023	$1,684.00 (-3.11%)	$172,700 Land $76,561 Building $96,138	$314,000 Land $139,203 Building $174,797
2022	$1,738.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 654 Colonial St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective May 21, 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 (1991)
Most Recent Claim	Jul 1991 · river or lake flooding

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

The area around 654 Colonial St has no burnable land within ember reach, so its wildfire risk is not rated.

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	LAYTON CITY WATER SYSTEM serves 82,000 people · EPA ID UTAH06018
Water Source	Purchased surface water from WEBER BASIN WCD - CENTRAL
Last State Inspection	Sep 2023
Lead	4 ppb (2021–2023) 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 530 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
CenturyLink Fiber · DSL in parts of the area	3,000 / 3,000
SenaWave Fiber	2,500 / 2,500
Xfinity Cable	2,000 / 250
Beehive Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Rise Broadband, Utah Broadband.

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