Davis County property record for 654 E Clearwater Dr, Layton, UT 84041
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,542 sqft · built 2003 |
| Lot Size | 0.01 acres (436 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $253,800 (Jun 2018) |
| Tax Bill | $1,896 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-527-0064 |
| Primary APN | 11-527-0064 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,542 sqft Living Area |
| Basement Area | 710 sqft |
| Unfinished Basement | 710 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 436 sqft (0.01 acres) |
| Garage Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 654 E CLEARWATER DR |
|---|---|
| City | LAYTON |
| State | UT |
| Zip | 84041-4284 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R-1-6 PRUD |
| Legal Description | ALL OF LOT 64, CLEARWATER COVE - A P.R.U.D. PHASE 6 |
| Legal Subdivision | CLEARWATER COVE |
| Legal Phase | 6 |
| Legal Lot Number | 64 |
| Jurisdiction | DAVIS UT |
| Township / Civil Division | NORTH DAVIS |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 125906 |
Source: Davis County records, as of September 23, 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 | 654 E CLEARWATER DR, LAYTON, UT 84041-4284 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INTERCAP LENDING |
| Jun 10, 2019 | Deed of Trust, Mortgage INTERCAP LNDG |
| Jun 22, 2018 | Warranty Deed, Transfer · FHA Mortgage VERITAS FUNDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2018 · Amount on Record |
| Deed Sale | Jun 22, 2018 · Amount on Record |
| Prior Sale | Jul 27, 2005 · Amount on Record |
| Deed Document Number | 20183100799 |
| Deed Book / Page | 7042 / 793 |
| Prior Transfer Date | Feb 26, 2016 |
| Prior Transfer Doc | 0002960193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIS UT |
| Property Address | 654 E CLEARWATER DR, LAYTON, UT 84041-4284 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2022 |
| Title Company | US TITLE COMPANY OF UT |
| Name | Verified Name |
|---|
| Document Number | 07596/2805 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 7596/2805 |
| Instrument | 3293775 |
| Name | INTERCAP LENDING |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAVIS UT |
| Property Address | 654 E CLEARWATER DR, LAYTON, UT 84041-4284 |
| Document Number | 0003166007 |
| Instrument Date | Jun 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2019 |
| Title Company | US TITLE/UTAH |
| Name | Verified Name |
|---|---|
| Address | 654 E CLEARWATER DR LAYTON UT 840414284, LAYTON, UT 84041-4284 |
| Document Number | 0003166007 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 007284/000376 |
| Instrument | 3166007 |
| Name | INTERCAP LNDG |
|---|---|
| Address | DRAPER, UT 84020 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 13, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAVIS UT |
| Recording Date | Jun 22, 2018 |
| Property Address | 654 E CLEARWATER DR, LAYTON, UT 84041-4284 |
| Document Number | 007042/793 |
| Book / Page | 7042 / 793 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 3100799 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2022 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 654 E CLEARWATER DR, LAYTON, UT 84041-4284 |
| Document Number | 0003100800 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | 3100800 |
| Name | VERITAS FUNDING LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Davis County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Utah |
| County | Davis County |
| Municipality | Layton City |
| Unified School District | Davis School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $212,850 (+6.91%) Land $67,100 Building $145,750 | $387,000 (+6.91%) Land $122,000 Building $265,000 | |
| 2025 | $1,896.00 (+4.46%) | $199,100 (-46.48%) Land $68,200 Building $130,900 | $362,000 (-2.69%) Land $124,000 Building $238,000 |
| 2024 | $1,815.00 (-9.02%) | ||
| 2023 | $1,995.00 (-6.34%) | $372,000 Land $91,000 Building $281,000 | $372,000 Land $91,000 Building $281,000 |
| 2022 | $2,130.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (1983–1991) |
| Most Recent Claim | May 1991 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 692 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 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Beehive Broadband, Connext Networks, Rise Broadband, T-Mobile, Utah Broadband.
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