87 W Cove Dr, Payson, UT 84651 Property Records

Utah County property record for 87 W Cove Dr, Payson, UT 84651

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,337 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$681,292 (Apr 2024)
Tax Bill	$3,777 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-244-0006`

Property Details

APN / Parcel Number

Primary APN	`40-244-0006`
Alternative APN	`109031`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,337 sqft Living Area
Gross Area	5,535 sqft
1st Floor Area	2,337 sqft
Basement Area	2,286 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	A-Frame
Exterior Material	Brick/Stone
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	552 sqft
Deck Area	Deck Area
Patio Area	696 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	109031
Street Address	87 W COVE DR
City	PAYSON
State	UT
Zip	84651-4534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6, PLAT A, GREENVIEW ESTATES SUBDV. AREA 0.344 AC.
Legal Subdivision	GREENVIEW ESTATES SUB
Legal Lot Number	6
Jurisdiction	UTAH UT
Township / Civil Division	SPANISH FORK-PAYSON
Census Block Group	1
Census Block	1039
Census Tract	10411

Owner

87 W Cove Dr is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	87 W COVE DR, PAYSON, UT 84651-4534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 28, 2026	Deed of Trust, Mortgage · VA Mortgage SECURITY HOME MORTGAGE LLC
Apr 1, 2024	Warranty Deed, Transfer · Conventional Mortgage SECURITY HOME MORTGAGE LLC
Aug 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Sep 17, 2001 · Amount on File
Deed Document Number	202420744
Prior Transfer Date	Aug 30, 2019
Prior Transfer Doc	0000084671
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UTAH UT
Recording Date	May 28, 2026
Property Address	87 W COVE DR, PAYSON, UT 84651-4534
Document Number	0000044323
Instrument Date	May 22, 2026
Instrument	202644323
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	87 W COVE DR, PAYSON, UT 84651-4534

Mortgage

Document Number	0000044323,
Date	May 28, 2026
Instrument	202644323

Lender

Name	SECURITY HOME MORTGAGE LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UTAH UT
Recording Date	Apr 1, 2024
Property Address	87 W COVE DR, PAYSON, UT 84651-4534
Document Number	0000020744
Instrument Date	Mar 28, 2024
Instrument	20744:2024
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	TRULY TITLE 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	87 W COVE DR, ELK RIDGE, UT 84651-4534

Mortgage

Document Number	0000020752
Date	Apr 1, 2024
Instrument	20752:2024

Lender

Name	SECURITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UTAH UT
Recording Date	Aug 30, 2019
Property Address	87 W COVE DR, ELK RIDGE, UT 84651-4534
Document Number	0000084671
Instrument Date	Aug 30, 2019
Instrument	84671
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	87 W COVE DR ELK RIDGE UT 846514534, ELK RIDGE, UT 84651-4534

Tax Assessment & Valuation

The 2025 property tax bill for 87 W Cove Dr was $3,777, 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	Elk Ridge City
Unified School District	Nebo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$368,830 (-5.6%)	$670,600 (-5.6%) Land $233,900 Building $436,700
2025	$3,777.00 (+0.03%)	$390,720	$710,400 Land $212,700 Building $497,700
2024	$3,776.00 (+1,248.57%)
2023	$280.00 (-81.96%)	$364,595	$662,900 Land $196,700 Building $466,200
2022	$1,552.00

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

Flood

FEMA maps place 87 W Cove Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2018 · 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.

Wildfire

Wildfire risk around 87 W Cove Dr is high, ranking above 89% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 89% of the US · above 83% of Utah
Wildfire Likelihood	0.7% 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	ELK RIDGE TOWN serves 5,510 people · EPA ID UTAH25031
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Utah Broadband.

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