688 S Main St, Payson, UT 84651 Property Records

Utah County property record for 688 S Main St, Payson, UT 84651

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,692 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,298 (Oct 2025)
Tax Bill	$1,845 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-126-0007`

Property Details

APN / Parcel Number

Primary APN	`08-126-0007`
Alternative APN	`011408`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,692 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,116 sqft
Basement Area	223 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	A-Frame
Exterior Material	Metal
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	011408
Street Address	688 S MAIN ST
City	PAYSON
State	UT
Zip	84651-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM. AT SE COR OF LOT 1, BLK 16, PLAT P, PAYSON CITY SURVEY; W 110 FT; N 110 FT; E 110 FT; S 110 FT TO BEG.
Legal Block	16
Legal Lot Number	1
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1046
Census Tract	3405

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Payson Historic District listed 2007 · 437 contributing resources · NRIS 07000666

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	688 S MAIN ST, PAYSON, UT 84651-3312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit AMERICA FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	May 17, 2012 · Amount on Record
Deed Document Number	202577525
Prior Transfer Date	Jan 24, 2002
Prior Transfer Doc	0000010490
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Oct 7, 2025
Property Address	688 S MAIN ST, PAYSON, UT 84651-3312
Document Number	0000077525
Instrument Date	Oct 6, 2025
Instrument	77525:2025
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	WESTCO TITLE SERVICES INC, INWEST TITLE SERVICES INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	688 S MAIN ST, PAYSON, UT 84651-3312

Mortgage

Document Number	0000077532
Date	Oct 7, 2025
Instrument	77532:2025

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	688 S MAIN ST, PAYSON, UT 84651-3312
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000174309
Date	Nov 3, 2020
Instrument	174309:2020

Lender

Name	AMERICA FIRST FCU
Type	Credit Union
Address	OGDEN, UT 84405

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Utah
County	Utah County
Municipality	Payson City
Unified School District	Nebo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$190,685 (-43.48%)	$346,700 (+2.76%) Land $130,600 Building $216,100
2025	$1,845.00	$337,400 (+86.86%) Land $124,400 Building $213,000	$337,400 (+2.77%) Land $124,400 Building $213,000
2024	$1,845.00 (+4.3%)
2023	$1,769.00 (-12.94%)	$180,565	$328,300 Land $107,200 Building $221,100
2022	$2,032.00

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 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	PAYSON CITY WATER SYSTEM serves 19,000 people · EPA ID UTAH25021
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 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	1 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 355 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
Beehive Broadband Fiber	1,000 / 1,000
Utah Broadband Fixed Wireless	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Intellipop, Rise Broadband, Verizon.

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