655 W 1280 S, Provo, UT 84601 Property Records

Utah County property record for 655 W 1280 S, Provo, UT 84601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,124 sqft · built 1978
Lot Size	0.19 acres (8,278 sqft)
Owner	Individual Name on File
Last Sale	$521,355 (Apr 2026)
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46-139-0002`

Property Details

APN / Parcel Number

Primary APN	`46-139-0002`
Alternative APN	`066015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,124 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	1,124 sqft
Basement Area	1,080 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Architectural Style	A-Frame
Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	8,278 sqft (0.19 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Raised Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	066015
Street Address	655 W 1280 S
City	PROVO
State	UT
Zip	84601-5565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38, PLAT C, MANORLY COURT SUB AREA 0.190 AC.
Legal Subdivision	MANORLY COURT SUB
Legal Lot Number	38
Jurisdiction	UTAH UT
Township / Civil Division	PROVO-OREM
Census Block Group	1
Census Block	1015
Census Tract	2213

Owner

655 W 1280 S is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	655 W 1280 S, PROVO, UT 84601-5565
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Sep 9, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit NEBO CU
Apr 1, 2026	Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC
Apr 12, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 19, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Aug 15, 2008 · Amount on File
Deed Document Number	202627309
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	655 W 1280 S, PROVO, UT 84601-5565
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NA, FIRST AMER TTL INS COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157223
Date	Sep 9, 2021
Instrument	157223:2021

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	655 W 1280 S, PROVO, UT 84601-5565
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	PRO TITLE, PRO TITLE AND ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076473
Date	Jul 1, 2022
Instrument	76473:2022

Lender

Name	NEBO CU
Type	Credit Union
Address	SPRINGVILLE, UT 84663

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Apr 1, 2026
Property Address	655 W 1280 S, PROVO, UT 84601-5565
Document Number	0000027309
Instrument Date	Apr 1, 2026
Instrument	202627309
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	INWEST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 W 1280 S, PROVO, UT 84601-5565

Mortgage

Document Number	0000027314,
Date	Apr 1, 2026
Instrument	202627314

Lender

Name	KIND LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	655 W 1280 S, PROVO, UT 84601-5565
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068822
Date	Apr 12, 2021
Instrument	68822:2021

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	EDGEWOOD, MD 21040

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Feb 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	655 W 1280 S, PROVO, UT 84601-5565
Document Number	0000007217
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2017
Title Company	UNITED W TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	655 W 1280 S PROVO UT 846015565, PROVO, UT 84601-5565

Mortgage

Document Number	0000007217
Date	Jan 24, 2017
Instrument	7217

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 655 W 1280 S was $2,384, up 3.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Utah
County	Utah County
Municipality	Provo City
Unified School District	Provo School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$243,155 (+2.17%)	$442,100 (+2.17%) Land $183,700 Building $258,400
2025	$2,384.00 (+3.29%)	$237,985	$432,700 Land $167,000 Building $265,700
2024	$2,308.00 (+2.26%)
2023	$2,257.00 (+0.89%)	$219,065	$398,300 Land $159,000 Building $239,300
2022	$2,237.00

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 655 W 1280 S in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 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

Wildfire risk around 655 W 1280 S is low, with 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 80% of the US · lower than 88% of Utah
Wildfire Likelihood	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	PROVO CITY serves 116,288 people · EPA ID UTAH25006
Water Source	Purchased surface water from CENTRAL UTAH WCD - UTAH VALLEY
Last State Inspection	Sep 2023
Lead	4 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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Utah Broadband.

Nearby Properties on W 1280 S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures