678 S 860 E, Spanish Fork, UT 84660 Property Records

Utah County property record for 678 S 860 E, Spanish Fork, UT 84660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,024 sqft · built 2016
Lot Size	0.222 acres (9,669 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,800 (Aug 2020)
Tax Bill	$3,362 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38-489-0007`

Property Details

APN / Parcel Number

Primary APN	`38-489-0007`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,024 sqft Living Area
Gross Area	4,750 sqft
1st Floor Area	2,024 sqft
Basement Area	2,162 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	A-Frame
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	9,669 sqft (0.222 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Porch	Raised Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	678 S 860 E
City	SPANISH FORK
State	UT
Zip	84660-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, PLAT A, EAGLE NEST ESTATES SUB AREA 0.222 AC.
Legal Subdivision	EAGLE NEST ESTATES SUB
Legal Lot Number	7
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	2
Census Block	2001
Census Tract	3203

Owner

Source: Utah County records, as of October 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	678 S 860 E, SPANISH FORK, UT 84660-2511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 21, 2021	Deed of Trust, Mortgage · Line of Credit ZB NA
Aug 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 26, 2017	Deed of Trust, Mortgage · Line of Credit AMERICA FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Sep 9, 2016 · Amount on Record
Deed Document Number	2020121486
Prior Transfer Date	Aug 12, 2020
Prior Transfer Doc	0000121486
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Recording Date	Sep 23, 2026
Property Address	678 S 860 E, SPANISH FORK, UT 84660-2511
Document Number	0000078463
Instrument Date	Sep 18, 2026
Instrument	202678463
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 S 860 E, SPANISH FORK, UT 84660-2511

Mortgage

Document Number	0000078463,
Date	Sep 23, 2026
Instrument	202678463

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
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	678 S 860 E, SPANISH FORK, UT 84660-2511
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074826
Date	Apr 21, 2021
Instrument	74826:2021

Lender

Name	ZB NA
Type	Bank
Address	SPANISH FORK, UT 84660

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UTAH UT
Recording Date	Aug 17, 2020
Property Address	678 S 860 E, SPANISH FORK, UT 84660-2511
Document Number	0000121486
Instrument Date	Aug 12, 2020
Instrument	121486:2020
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	STEWART TITLE INS AGCY OF UT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	678 S 860 E, SPANISH FORK, UT 84660-2511

Mortgage

Document Number	0000121485
Date	Aug 17, 2020
Instrument	121485:2020

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	678 S 860 E, SPANISH FORK, UT 84660-2511
Document Number	0000040525
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 N 1160 E SPANISH FORK UT 846608409, SPANISH FORK, UT 84660-8409

Mortgage

Document Number	0000040525
Date	Apr 27, 2017
Instrument	40525

Lender

Name	AMERICA FIRST FCU
Type	Funding / Finance Company
Address	RIVERDALE, UT 84405

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 26, 2027

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	Spanish Fork City
Unified School District	Nebo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$337,535 (-46.82%)	$613,700 (-3.31%) Land $189,200 Building $424,500
2025	$3,362.00	$634,700 (+87.92%) Land $189,200 Building $445,500	$634,700 (+3.35%) Land $189,200 Building $445,500
2024	$3,362.00 (+2.72%)
2023	$3,273.00 (-4.21%)	$337,755	$614,100 Land $180,200 Building $433,900
2022	$3,417.00

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	Low lower than 99.8% of the US · lower than 99.9% of Utah
Wildfire Likelihood	Under 0.01% 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	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 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SFCN Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SenaWave, Utah Broadband.

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