Utah County property record for 978 S 190 W, Orem, UT 84058
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,450 sqft · built 2014 |
| Lot Size | 0.184 acres (7,996 sqft) |
| Owner | Individual Name on File |
| Last Sale | $418,950 (May 2026) |
| Tax Bill | $2,045 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 45-488-0002 |
| Primary APN | 45-488-0002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 2,066 sqft |
| 1st Floor Area | 1,450 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | A-Frame |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 7,996 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Slab |
| Porch Area | 596 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 978 S 190 W |
|---|---|
| City | OREM |
| State | UT |
| Zip | 84058-6830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2, LAKE RIDGE JUNIOR HIGH SCHOOL SUB AREA 0.184 AC. |
| Legal Subdivision | LAKE RIDGE JUNIOR HIGH SCHOOL SUB |
| Legal Lot Number | 2 |
| Jurisdiction | UTAH UT |
| Township / Civil Division | PROVO-OREM |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1103 |
978 S 190 W is owned and occupied by an individual who bought it in May 2026.
Source: Utah County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 978 S 190 W, OREM, UT 84058-6830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Mar 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage UMORTGAGE LLC |
| Jun 9, 2020 | Deed of Trust, Mortgage UTAH CMNTY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on File |
| Deed Sale | May 27, 2026 · Amount on File |
| Prior Sale | Mar 30, 2023 · Amount on File |
| Deed Document Number | 202643926 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UTAH UT |
| Recording Date | May 27, 2026 |
| Property Address | 978 S 190 W, OREM, UT 84058-6830 |
| Document Number | 0000043926 |
| Instrument Date | May 21, 2026 |
| Instrument | 202643926 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | METRO NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 S 190 W, OREM, UT 84058-6830 |
| Document Number | 0000043934, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 202643934 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UTAH UT |
| Recording Date | Mar 30, 2023 |
| Property Address | 978 S 190 W, OREM, UT 84058-6830 |
| Document Number | 0000019607 |
| Instrument Date | Mar 29, 2023 |
| Instrument | 19607:2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2023 |
| Title Company | COTTONWOOD TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 978 S 190 W, OREM, UT 84058-6830 |
| Document Number | 0000019620 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 19620:2023 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UTAH UT |
| Property Address | 978 S 190 W, OREM, UT 84058-6830 |
| Document Number | 0000082303 |
| Instrument Date | Jun 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Title Company | SKYLINE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 978 S 190 W OREM UT 840586830, OREM, UT 84058-6830 |
| Document Number | 0000082303 |
|---|---|
| Date | Jun 15, 2020 |
| Instrument | 82303 |
| Name | UTAH CMNTY FCU |
|---|---|
| Type | Credit Union |
| Address | PROVO, UT 84604 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 14, 2050 |
The 2025 property tax bill for 978 S 190 W was $2,045, up 0.4% from the year before.
Source: Utah County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Utah |
| County | Utah County |
| Municipality | Orem City |
| Unified School District | Alpine School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $258,720 (+0.75%) | $470,400 (+0.75%) Land $214,900 Building $255,500 | |
| 2025 | $2,045.00 (+0.39%) | $256,795 | $466,900 Land $214,900 Building $252,000 |
| 2024 | $2,037.00 (+6.48%) | ||
| 2023 | $1,913.00 (+2.19%) | $251,515 | $457,300 Land $204,700 Building $252,600 |
| 2022 | $1,872.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 978 S 190 W in Zone X, an area of minimal flood risk.
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 risk around 978 S 190 W is low, with less than 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 98% of the US · lower than 99.5% of Utah |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 257 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 |
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| SenaWave Fiber | 2,500 / 2,500 |
| Xfinity Cable | 2,000 / 250 |
| Beehive Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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