Question 1

What is the asking price for 549 MAIN, Payson?

Accepted Answer

549 MAIN, Payson is listed at $409,900 ($282/sqft).  This listing is currently active and available for showings.

Question 2

How many bedrooms and bathrooms does 549 MAIN, Payson have?

Accepted Answer

This Residential features 3 bedrooms, 3 bathrooms, 1,456 square feet of living space. It is a 2-story home. The lot is 0.22 acres.

Question 3

When was 549 MAIN, Payson built?

Accepted Answer

This property was built in 1933, making it 93 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 549 MAIN, Payson?

Accepted Answer

549 MAIN, Payson is a Residential (Single Family Residence). The architectural style is Rambler/Ranch.  Zoning: Single-Family.

Question 5

Does 549 MAIN, Payson have a garage or parking?

Accepted Answer

Yes, this property includes 3 open parking spaces. Total parking capacity: 3 vehicles.

Question 6

Is there an HOA for 549 MAIN, Payson?

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 549 MAIN, Payson?

Accepted Answer

Annual property taxes for this property are approximately $1,917 (about $160/month). This represents an effective tax rate of approximately 0.47% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 8

What are the key features of 549 MAIN, Payson?

Accepted Answer

Interior features include: Basement Apartment, Disposal, Kitchen: Second, Kitchen: Updated, Mother-in-Law Apt.. Exterior features include: Basement Entrance, Double Pane Windows, Patio: Open.

Question 9

Is 549 MAIN, Payson a good deal?

Accepted Answer

Propaired's AI deal analysis classifies this property as a "Exceptional Deal" with a deal score of 54/100. Key deal signals: Priced 18% below similar homes; Priced 30% below market median (per-type). The price is 18% 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 Payson?

Accepted Answer

The median price for similar properties in the area is $497,500 (based on 10 homes). At $409,900, this listing is 18% below the median for comparable homes. It ranks #Below Similar among similar listings by value.

Question 11

What would the monthly mortgage payment be for 549 MAIN, Payson?

Accepted Answer

At the current 30-year mortgage rate of 6.46% with 20% down, the estimated monthly principal and interest payment is $2,064. Including estimated taxes, the total monthly cost is approximately $2,224. A 15-year mortgage at 5.77% would be $2,727/month but saves significantly on interest. These are estimates — contact a lender for a personalized quote.

Question 12

How long has 549 MAIN, Payson been on the market?

Accepted Answer

This property has been listed for 16 days. The average days on market in Payson is 71 days, meaning this listing is moving faster than the local average.

Question 13

Is 549 MAIN, Payson a good investment property?

Accepted Answer

Based on market rental data, this property has an estimated annual rent of $12,801 with a gross rental yield of 3.1%. Net rental yield (after estimated expenses): 2.0%.  Estimated debt service coverage ratio (DSCR): 0.39. Investor score: 43/100. These are estimates based on area comparables.

Question 14

What is the estimated rental income for 549 MAIN, Payson?

Accepted Answer

Based on area comparables, the estimated monthly rent for this property is $1,067 ($12,804/year). The gross rent multiplier is 32.0x (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 549 MAIN, Payson offer?

Accepted Answer

Propaired's AI has identified 4 lifestyle features for this property: ADU/Multigenerational, Scenic Views, Investor Special, Walkable. The primary lifestyle niche is "investor_special." These tags are derived from MLS data, property features, and location analysis.

Question 16

What recreation is near 549 MAIN, Payson?

Accepted Answer

This property has a recreation score of 57/100. Nearby recreation includes: Red Lake trailhead (6.0 mi); Walker War Monument park (0.2 mi); Gladstan Golf Course (2.9 mi); Utah Lake State Park (12.5 mi). Skiing: Sundance Resort (24.8 mi). Utah offers world-class outdoor recreation year-round, from skiing to hiking to national parks.

Question 17

Are there hiking trails near 549 MAIN, Payson?

Accepted Answer

Yes, the nearest trailhead is Red Lake, just 6.0 miles from the property. Utah Lake State Park is 12.5 miles away. Utah has over 10,000 miles of hiking trails across its diverse terrain, from desert canyons to alpine meadows.

Question 18

What amenities and services are near 549 MAIN, Payson?

Accepted Answer

This property has an amenity proximity score of 86/100. Nearby services include: Grocery: Smith's (0.1 mi); Hospital: Revere Health (4.2 mi); Pharmacy: Walgreens (0.6 mi); Dining: Polar Queen Drive Inn (0.3 mi). Gas station: 0.2 miles. Gym: Nebo Performance LLC (1.1 mi).

Question 19

How far is the nearest hospital from 549 MAIN, Payson?

Accepted Answer

The nearest hospital is Revere Health, approximately 4.2 miles from the property. The nearest fire station is 3.4 miles away. Proximity to emergency services is an important safety factor for homebuyers.

Question 20

What schools serve 549 MAIN, Payson?

Accepted Answer

Assigned schools: Elementary: Parkview; Middle: Payson Jr; High: Payson. There are 1 schools within 3 miles of this property. The highest-rated nearby school is American Preparatory Academy - Salem with a 59% state performance score (2.2 miles away). School district: Nebo.

Question 21

What is the internet speed at 549 MAIN, Payson?

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: 13.

Question 22

Is 549 MAIN, Payson in a flood zone?

Accepted Answer

This property is classified as low. FEMA flood zone: X (AREA OF MINIMAL FLOOD HAZARD). Flood insurance is not typically required but may be recommended.  Always verify current FEMA maps as they are periodically updated.

Question 23

How does this listing compare to the Payson market?

Accepted Answer

549 MAIN, Payson is listed at $409,900, which is below the Payson median of $490,000 by $80,100. There are currently 88 active listings in Payson. Homes in Payson sell in an average of 71 days. The average sale-to-list ratio is 99.5%.

Question 24

How does this price compare to the Utah state average?

Accepted Answer

At $409,900, this property is below the Utah state median of $510,000 by $100,100. Payson prices are 4% 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 25

What is the Propaired intelligence score for 549 MAIN, Payson?

Accepted Answer

This property has a Propaired intelligence score of 60/100, combining deal value (54), recreation access (57), amenity proximity (86), broadband quality (100), and lifestyle features (4 tags). This composite score helps buyers quickly identify properties that match their priorities.

Question 26

What heating and cooling systems does 549 MAIN, Payson 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 27

What type of roof does 549 MAIN, Payson have?

Accepted Answer

The roof material is Asphalt. Asphalt shingles typically last 20-30 years in Utah's climate. With a 93-year-old home, reviewing recent roof inspections is recommended.

Question 28

Does 549 MAIN, Payson have a basement?

Accepted Answer

Yes, the basement is described as: Entrance. Basements in Utah are common and add versatile living or storage space. Check for any signs of moisture or foundation issues during the home inspection.

Question 29

What is 549 MAIN, Payson constructed from?

Accepted Answer

Construction materials include: Asphalt. The construction type affects long-term maintenance requirements and insurance costs.

Question 30

What type of flooring does 549 MAIN, Payson have?

Accepted Answer

Flooring types include: Carpet,Laminate,Linoleum.   Carpeted areas provide warmth and comfort, especially in bedrooms.

Question 31

What are the water and sewer connections for 549 MAIN, Payson?

Accepted Answer

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

Question 32

What shopping and dining is near 549 MAIN, Payson?

Accepted Answer

The nearest restaurant is Polar Queen Drive Inn (0.3 miles away) and the nearest grocery store is Smith's (0.1 miles). Coffee: Dutch Bros. Coffee (1.0 mi). Banking: Mountain America Credit Union (0.4 mi). Overall amenity proximity score: 86/100.

Question 33

What would homeowner's insurance cost for 549 MAIN, Payson?

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 $409,900, expect approximately $1,230-$2,050/year ($103-$171/month).  Older homes may see higher premiums due to outdated electrical or plumbing systems. Get multiple quotes — rates vary significantly by insurer.

Question 34

What are the estimated closing costs for 549 MAIN, Payson?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $409,900, expect approximately $8,198-$20,495 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 35

How does the property tax compare to the list price at 549 MAIN, Payson?

Accepted Answer

The annual property tax of $1,917 represents an effective rate of 0.47% relative to the list price of $409,900. This is below the Utah average effective rate of approximately 0.58%, which is favorable for the buyer. Property taxes in Utah are assessed by the county and can change when the property is sold.

Question 36

What are the total estimated monthly costs for 549 MAIN, Payson?

Accepted Answer

Estimated total monthly housing cost: $2,361. This includes principal & interest ($2,064 at 6.46% with 20% down), property tax ($160/mo), and estimated insurance (~$137/mo). Actual costs will vary based on your down payment, credit score, and insurance quotes.

Question 37

Is 549 MAIN, Payson eligible for FHA or VA financing?

Accepted Answer

At $409,900, 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 38

What is the estimated cap rate for 549 MAIN, Payson?

Accepted Answer

The estimated cap rate (net rental yield) for this property is 2.0%, based on estimated annual rent of $12,801 and a purchase price of $409,900. Lower cap rates often indicate appreciation-focused markets where property values are expected to rise.

Question 39

Is Payson a good rental market?

Accepted Answer

Estimated monthly rent in Payson is approximately $1,523. Homes in Payson sell in an average of 71 days, indicating moderate demand in this market. There are 88 active listings currently. Gross rental yield in this area: 3.1%. Utah's steady population growth continues to drive rental demand.

Question 40

Could 549 MAIN, Payson be a 1031 exchange property?

Accepted Answer

Yes, 549 MAIN, Payson 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 41

How does 549 MAIN, Payson compare to recently sold homes nearby?

Accepted Answer

Based on 10 comparable properties, the median sold price in this area is $497,500. This listing is 18% below the comparable median. It ranks Below Similar among similar listings by value. The median for this property type specifically is $585,100. Comparable analysis is based on similar size, age, and location.

Question 42

Is the Payson neighborhood appreciating in value?

Accepted Answer

Based on Zillow Home Value Index data, property values in this area have appreciated 2.4% over the past year. The current Zillow Home Value Index for this area is $462,491. This listing is priced at 89% of the ZHVI estimate. Past appreciation is not a guarantee of future performance.

Question 43

What is the price trend in Payson?

Accepted Answer

Payson's median price has increased 13.1% month-over-month. Current median: $490,000. Days on market have decreased by 25.2% month-over-month. Homes are selling at 99.5% of list price on average. Monitor these trends to time your offer strategically.

Question 44

Is 549 MAIN, Payson overpriced or underpriced?

Accepted Answer

Propaired's AI classifies this property as "Exceptional Deal." At 18% below comparable homes, this property appears competitively priced. Deal score: 54/100. Always confirm with a local real estate professional who can provide a comparative market analysis.

Question 45

What school district is 549 MAIN, Payson in?

Accepted Answer

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

Question 46

What parks are near 549 MAIN, Payson?

Accepted Answer

The nearest local park is Walker War Monument (0.2 miles away). The nearest state park is Utah Lake State Park (12.5 miles).  Parks and green spaces contribute to quality of life and are a positive factor for property values.

Question 47

Is there a golf course near 549 MAIN, Payson?

Accepted Answer

The nearest golf course is Gladstan Golf Course, 2.9 miles from the property. Utah has over 80 golf courses statewide with a season running from March through November in most areas. Close proximity to a golf course is a desirable feature that can enhance property value.

Question 48

What water activities are near 549 MAIN, Payson?

Accepted Answer

Water recreation near this property includes: Utah Lake (13.0 mi); boat ramp at LaBaron Point (7.8 mi).  Utah offers diverse water recreation from mountain reservoirs to desert lakes. Popular activities include boating, kayaking, paddle boarding, and fishing — a Utah fishing license is required for anglers.

Question 49

Is 549 MAIN, Payson move-in ready?

Accepted Answer

Property condition is listed as: Blt./Standing.

Question 50

What updates might 549 MAIN, Payson need?

Accepted Answer

At 93 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 51

Does 549 MAIN, Payson 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 52

What is the lot like at 549 MAIN, Payson?

Accepted Answer

The lot is 0.22 acres. Lot features: Curb & Gutter,Fenced: Full,Road: Paved,Sidewalks,Sprinkler: Auto-Full. Terrain: Curb & Gutter, Fenced: Full, Road: Paved, Sidewalks, Sprinkler: Auto-Full, Terrain, Flat.   Lot characteristics affect usability, privacy, and future improvement potential.

Question 53

What utilities are available at 549 MAIN, Payson?

Accepted Answer

Available utilities include: Natural Gas Connected,Electricity Connected,Sewer Connected,Water Connected. Water source: Culinary,Irrigation: Pressure. 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 54

Does 549 MAIN, Payson 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.

Question 55

Is there EV charging near 549 MAIN, Payson?

Accepted Answer

The nearest EV charging station is EvGateway Charging Station, approximately 7.5 miles from the property. A home EV charger can be installed if 240V electrical service is available. Utah offers a growing EV charging network along major corridors and in urban centers.

549 MAIN, Payson, UT 84651

549 S MAIN ST, Payson, UT 84651

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