850 Mountain Oaks Dr, Orem, UT 84097 Property Records

Utah County property record for 850 Mountain Oaks Dr, Orem, UT 84097

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,182 sqft · built 1988
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$412,500 (Sep 2013)
Tax Bill	$3,806 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-146-0015`

Property Details

APN / Parcel Number

Primary APN	`46-146-0015`
Alternative APN	`066121`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,182 sqft Living Area
Gross Area	6,139 sqft
1st Floor Area	1,639 sqft
Basement Area	1,639 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1999
Architectural Style	A-Frame
Exterior Material	Stucco
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Slab
Porch Area	780 sqft
Deck Area	Deck Area
Patio Area	598 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	066121
Street Address	850 MOUNTAIN OAKS DR
City	OREM
State	UT
Zip	84097-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15, PLAT C, MOUNTAIN OAKS.
Legal Subdivision	MOUNTAIN OAKS
Legal Lot Number	15
Jurisdiction	UTAH UT
Township / Civil Division	PROVO-OREM
Census Block Group	2
Census Block	2011
Census Tract	710

Owner

850 Mountain Oaks Dr is owned and occupied by two individuals who acquired it in January 2016.

Source: Utah County records, as of July 20, 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 File
Mailing Address	850 MOUNTAIN OAKS DR, OREM, UT 84097-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FEDERAL CREDIT UNION
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Nov 15, 2017	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2013 · Amount on File
Deed Sale	Sep 5, 2013 · Amount on File
Deed Document Number	201385153
Last Transfer Date	Jan 27, 2016
Transfer Doc	0000007042
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Recording Date	Jun 17, 2026
Property Address	850 MOUNTAIN OAKS DR, OREM, UT 84097-2326
Document Number	0000050137
Instrument Date	Jun 9, 2026
Instrument	202650137
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 MOUNTAIN OAKS DR, OREM, UT 84097-2326

Mortgage

Document Number	0000050137,
Date	Jun 17, 2026
Instrument	202650137

Lender

Name	MOUNTAIN AMERICA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	850 MOUNTAIN OAKS DR, OREM, UT 84097-2326
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082633
Date	Jul 20, 2022
Instrument	82633:2022

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	SANDY, UT 84070

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	850 MOUNTAIN OAKS DR, OREM, UT 84097-2326
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113283
Date	Nov 15, 2017
Instrument	113283:2017

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Property Address	850 MOUNTAIN OAKS DR, OREM, UT 84097-2326
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	MASTERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150041
Date	Sep 29, 2020
Instrument	150041:2020

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 850 Mountain Oaks Dr was $3,806, up % from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$484,055 (-44.28%)	$880,100 (+1.3%) Land $275,600 Building $604,500
2025	$3,806.00 (+0.03%)	$868,800 Land $275,600 Building $593,200	$868,800 Land $275,600 Building $593,200
2024	$3,805.00 (+5.43%)
2023	$3,609.00 (+4.37%)	$474,430	$862,600 Land $262,500 Building $600,100
2022	$3,458.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 850 Mountain Oaks Dr 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 7 (15% premium discount)
Nearby Flood Policies	2 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 850 Mountain Oaks Dr is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 53% of Utah
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OREM CITY WATER SYSTEM serves 98,129 people · EPA ID UTAH25020
Water Source	Purchased surface water from CENTRAL UTAH WCD - UTAH VALLEY
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) 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 200 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
Wasatch Broadband Fixed Wireless	900 / 900
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Rise Broadband.

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