Question 1

What is the asking price for 488 FERN, Clearfield?

Accepted Answer

488 FERN, Clearfield is listed at $400,000 ($198/sqft).  This listing is currently active and available for showings.

Question 2

How many bedrooms and bathrooms does 488 FERN, Clearfield have?

Accepted Answer

This Residential features 4 bedrooms, 2 bathrooms, 2,016 square feet of living space. It is a 2-story home. The lot is 0.2 acres.

Question 3

When was 488 FERN, Clearfield built?

Accepted Answer

This property was built in 1960, making it 66 years old. This established home has character and may feature unique architectural details. A thorough inspection is recommended to assess systems and structure.

Question 4

What type of property is 488 FERN, Clearfield?

Accepted Answer

488 FERN, Clearfield is a Residential (Single Family Residence). The architectural style is Rambler/Ranch. It is located in the GOLDEN PARK NO 1 subdivision. Zoning: Single-Family.

Question 5

Does 488 FERN, Clearfield have a garage or parking?

Accepted Answer

Yes, this property includes a 1-car garage and 4 open parking spaces. Total parking capacity: 5 vehicles.

Question 6

Is there an HOA for 488 FERN, Clearfield?

Accepted Answer

No, this property is not part of a homeowners association, which means no monthly HOA fees. Homeowners maintain full control over their property without HOA restrictions or assessments.

Question 7

What are the property taxes for 488 FERN, Clearfield?

Accepted Answer

Annual property taxes for this property are approximately $2,424 (about $202/month). This represents an effective tax rate of approximately 0.61% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 8

What are the key features of 488 FERN, Clearfield?

Accepted Answer

Interior features include: Disposal, Kitchen: Updated. Exterior features include: Double Pane Windows, Patio: Covered.    View: Mountain(s).

Question 9

Is 488 FERN, Clearfield a good deal?

Accepted Answer

Propaired's AI deal analysis classifies this property as a "Great Deal (vs Market)" with a deal score of 51/100. Key deal signals: Priced 7% below similar homes; Priced 16% below market median (per-type); 6.7% gross rental yield. The price is 7% below similar homes in the area. This analysis considers price relative to comparables, days on market, price reductions, and market conditions.

Question 10

How does this price compare to similar homes in Clearfield?

Accepted Answer

The median price for similar properties in the area is $432,450 (based on 10 homes). At $400,000, this listing is 7% below the median for comparable homes. It ranks #Fair Price among similar listings by value.

Question 11

What would the monthly mortgage payment be for 488 FERN, Clearfield?

Accepted Answer

At the current 30-year mortgage rate of 6.46% with 20% down, the estimated monthly principal and interest payment is $2,014. Including estimated taxes, the total monthly cost is approximately $2,216. A 15-year mortgage at 5.77% would be $2,661/month but saves significantly on interest. These are estimates — contact a lender for a personalized quote.

Question 12

How long has 488 FERN, Clearfield been on the market?

Accepted Answer

This property has been listed for 0 days. The average days on market in Clearfield is 50 days, meaning this listing is moving faster than the local average. This is a fresh listing — act quickly if interested.

Question 13

Is 488 FERN, Clearfield a good investment property?

Accepted Answer

Based on market rental data, this property has an estimated annual rent of $26,877 with a gross rental yield of 6.7%. Net rental yield (after estimated expenses): 4.4%.  Estimated debt service coverage ratio (DSCR): 0.83. Investor score: 57/100. These are estimates based on area comparables.

Question 14

What is the estimated rental income for 488 FERN, Clearfield?

Accepted Answer

Based on area comparables, the estimated monthly rent for this property is $2,240 ($26,880/year). The gross rent multiplier is 14.9x (lower is generally better for investors). Actual rental income will depend on property condition, local demand, and management approach.

Question 15

What lifestyle features does 488 FERN, Clearfield offer?

Accepted Answer

Propaired's AI has identified 2 lifestyle features for this property: ADU/Multigenerational, Green/Sustainable. The primary lifestyle niche is "adu_multigenerational." These tags are derived from MLS data, property features, and location analysis.

Question 16

What schools serve 488 FERN, Clearfield?

Accepted Answer

Assigned schools: Elementary: Wasatch; Middle: North Davis; High: Clearfield.   School district: Davis.

Question 17

What is the internet speed at 488 FERN, Clearfield?

Accepted Answer

This property has a broadband score of 100/100 (Excellent). Best available speed: 10000 Mbps download / 10000 Mbps upload. Fiber internet is available at this address. Available providers: AT&T (100 Mbps, Fixed Wireless); AT&T (25 Mbps, Fixed Wireless); Beehive Broadband (1000 Mbps, Fiber). Total providers: 11.

Question 18

Is 488 FERN, Clearfield in a flood zone?

Accepted Answer

This property is classified as low.  Flood insurance is not typically required but may be recommended.  Always verify current FEMA maps as they are periodically updated.

Question 19

How does this listing compare to the Clearfield market?

Accepted Answer

488 FERN, Clearfield is listed at $400,000, which is above the Clearfield median of $397,000 by $3,000. There are currently 51 active listings in Clearfield. Homes in Clearfield sell in an average of 50 days. The average sale-to-list ratio is 99.5%.

Question 20

How does this price compare to the Utah state average?

Accepted Answer

At $400,000, this property is below the Utah state median of $510,000 by $110,000. Clearfield prices are 22% below the state average. Utah's housing market varies significantly by region — front-range cities near SLC are typically more expensive than rural areas.

Question 21

What is the Propaired intelligence score for 488 FERN, Clearfield?

Accepted Answer

This property has a Propaired intelligence score of 38/100, combining deal value (51), recreation access (N/A), amenity proximity (N/A), broadband quality (100), and lifestyle features (2 tags). This composite score helps buyers quickly identify properties that match their priorities.

Question 22

Does 488 FERN, Clearfield have energy-efficient or green features?

Accepted Answer

This property has been tagged as green/sustainable, indicating energy-efficient features. Heating: Forced Air,Gas: Central. Cooling: Central Air. Green homes may include solar panels, Energy Star appliances, high-efficiency HVAC, insulated windows, and sustainable building materials. Ask the listing agent for specific energy certifications or efficiency ratings.

Question 23

What heating and cooling systems does 488 FERN, Clearfield have?

Accepted Answer

Heating: Forced Air,Gas: Central. Cooling: Central Air. Given the age of this home, it may be worth requesting a professional HVAC inspection to assess system efficiency and remaining lifespan. Utah's climate ranges from sub-zero winters to 100°F+ summers, making reliable heating and cooling essential.

Question 24

What type of roof does 488 FERN, Clearfield have?

Accepted Answer

The roof material is Asphalt. Asphalt shingles typically last 20-30 years in Utah's climate. With a 66-year-old home, reviewing recent roof inspections is recommended.

Question 25

Does 488 FERN, Clearfield have a basement?

Accepted Answer

Yes, the basement is described as: Daylight,Full. A daylight basement features windows for natural light, making the space more livable. Check for any signs of moisture or foundation issues during the home inspection.

Question 26

What is 488 FERN, Clearfield constructed from?

Accepted Answer

Construction materials include: Aluminum,Brick. Brick construction is durable and low-maintenance, offering excellent insulation and fire resistance.

Question 27

What type of flooring does 488 FERN, Clearfield have?

Accepted Answer

Flooring types include: Carpet,Hardwood,Laminate,Tile. Hardwood floors are a premium feature that adds lasting value and can be refinished multiple times. Tile flooring is durable and ideal for high-traffic areas and bathrooms. Carpeted areas provide warmth and comfort, especially in bedrooms.

Question 28

What are the water and sewer connections for 488 FERN, Clearfield?

Accepted Answer

Water source: Culinary,Secondary. Sewer: Sewer: Connected.   Water is a critical consideration in Utah's arid climate.

Question 29

What would homeowner's insurance cost for 488 FERN, Clearfield?

Accepted Answer

Homeowner's insurance in Utah typically ranges from 0.3% to 0.5% of the home's value annually. For a home listed at $400,000, expect approximately $1,200-$2,000/year ($100-$167/month).  Older homes may see higher premiums due to outdated electrical or plumbing systems. Get multiple quotes — rates vary significantly by insurer.

Question 30

What are the estimated closing costs for 488 FERN, Clearfield?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $400,000, expect approximately $8,000-$20,000 in closing costs. This includes title insurance, escrow fees, lender fees, recording fees, and prepaid items (insurance, taxes). Buyers should also budget for a home inspection ($300-$500), appraisal ($400-$600), and any lender-required reserves.

Question 31

How does the property tax compare to the list price at 488 FERN, Clearfield?

Accepted Answer

The annual property tax of $2,424 represents an effective rate of 0.61% relative to the list price of $400,000. This is near the Utah average effective rate of approximately 0.58%. Property taxes in Utah are assessed by the county and can change when the property is sold.

Question 32

What are the total estimated monthly costs for 488 FERN, Clearfield?

Accepted Answer

Estimated total monthly housing cost: $2,349. This includes principal & interest ($2,014 at 6.46% with 20% down), property tax ($202/mo), and estimated insurance (~$133/mo). Actual costs will vary based on your down payment, credit score, and insurance quotes.

Question 33

Is 488 FERN, Clearfield eligible for FHA or VA financing?

Accepted Answer

At $400,000, this property is likely within FHA loan limits for most Utah counties. VA loans have no price cap but require VA eligibility.    Consult a mortgage lender for personalized eligibility.

Question 34

What is the estimated cap rate for 488 FERN, Clearfield?

Accepted Answer

The estimated cap rate (net rental yield) for this property is 4.4%, based on estimated annual rent of $26,877 and a purchase price of $400,000. A cap rate of 4-6% is typical for residential properties in growing Utah markets.

Question 35

Is Clearfield a good rental market?

Accepted Answer

Estimated monthly rent in Clearfield is approximately $1,837. Homes in Clearfield sell in an average of 50 days, indicating healthy demand in this market. There are 51 active listings currently. Gross rental yield in this area: 6.7%. Utah's steady population growth continues to drive rental demand.

Question 36

Could 488 FERN, Clearfield be a 1031 exchange property?

Accepted Answer

Yes, 488 FERN, Clearfield could potentially qualify for a 1031 like-kind exchange if used as an investment or business property. A 1031 exchange allows deferral of capital gains taxes by reinvesting proceeds from one investment property into another. Key requirements include identifying a replacement property within 45 days and closing within 180 days. The property must be held for investment purposes — personal residences do not qualify. Consult a qualified intermediary and tax advisor for specific guidance.

Question 37

How does 488 FERN, Clearfield compare to recently sold homes nearby?

Accepted Answer

Based on 10 comparable properties, the median sold price in this area is $432,450. This listing is 7% below the comparable median. It ranks Fair Price among similar listings by value. The median for this property type specifically is $476,500. Comparable analysis is based on similar size, age, and location.

Question 38

Is the Clearfield neighborhood appreciating in value?

Accepted Answer

Based on Zillow Home Value Index data, property values in this area have appreciated 2.1% over the past year. The current Zillow Home Value Index for this area is $414,741. This listing is priced at 96% of the ZHVI estimate. Past appreciation is not a guarantee of future performance.

Question 39

What is the price trend in Clearfield?

Accepted Answer

Clearfield's median price has increased 36.1% month-over-month. Current median: $397,000. Days on market have decreased by 64.2% month-over-month. Homes are selling at 99.5% of list price on average. Monitor these trends to time your offer strategically.

Question 40

Is 488 FERN, Clearfield overpriced or underpriced?

Accepted Answer

Propaired's AI classifies this property as "Great Deal (vs Market)." At 7% below comparable homes, this property appears competitively priced. Deal score: 51/100. Always confirm with a local real estate professional who can provide a comparative market analysis.

Question 41

What school district is 488 FERN, Clearfield in?

Accepted Answer

This property is in the Davis school district. Assigned elementary: Wasatch. Assigned middle: North Davis. Assigned high: Clearfield. School district boundaries can affect property values by 5-15%. Contact the district directly to confirm current enrollment boundaries, as they may change.

Question 42

Is 488 FERN, Clearfield move-in ready?

Accepted Answer

Property condition is listed as: Blt./Standing.

Question 43

What updates might 488 FERN, Clearfield need?

Accepted Answer

At 66 years old, common updates to consider include: roof replacement (if original), HVAC system update, electrical panel upgrade, water heater replacement. Current roof: Asphalt. Current heating: Forced Air,Gas: Central. These are general guidelines based on typical component lifespans — the actual condition depends on maintenance history. Always get a professional inspection and ask the seller for maintenance records and any recent upgrades.

Question 44

Does 488 FERN, Clearfield come with a home warranty?

Accepted Answer

No home warranty is currently included with this property. Buyers can request a home warranty as part of the purchase negotiation — they typically cost $400-$700/year and cover major systems and appliances. This is especially valuable for older homes.

Question 45

What is the lot like at 488 FERN, Clearfield?

Accepted Answer

The lot is 0.2 acres. Lot features: Curb & Gutter,Fenced: Part,Sidewalks,Sprinkler: Auto-Full,View: Mountain. Terrain: Curb & Gutter, Fenced: Part, Sidewalks, Sprinkler: Auto-Full, Terrain, Flat, View: Mountain. Views: Mountain(s).  Lot characteristics affect usability, privacy, and future improvement potential.

Question 46

What utilities are available at 488 FERN, Clearfield?

Accepted Answer

Available utilities include: Natural Gas Connected,Electricity Connected,Sewer Connected,Water Connected. Water source: Culinary,Secondary. Sewer: Sewer: Connected. Utility costs in Utah vary by season — expect higher heating bills in winter and cooling costs in summer. Contact local utility providers for average monthly cost estimates for this address.

Question 47

Does 488 FERN, Clearfield have solar panels?

Accepted Answer

While this property is tagged as green/sustainable, solar panel details are not explicitly listed. Utah is an excellent state for solar energy with 222+ sunny days per year. Adding solar panels in Utah may qualify for federal tax credits and local incentives. Contact the listing agent for details on any existing energy-efficient systems.

Question 48

Does 488 FERN, Clearfield have natural gas?

Accepted Answer

Yes, this property has natural gas service — the heating system is listed as: Forced Air,Gas: Central. Natural gas is the most common and cost-effective heating fuel in Utah, typically 30-50% less expensive than electric heating. The cooling system (Central Air) operates separately. Natural gas availability also supports gas ranges, water heaters, and fireplaces.

488 FERN, Clearfield, UT 84015

488 N FERN DR, Clearfield, UT 84015

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