Question 1

What is the asking price for 643 400, Payson?

Accepted Answer

643 400, Payson is listed at $524,900 ($249/sqft).  This listing is currently active and available for showings.

Question 2

How many bedrooms and bathrooms does 643 400, Payson have?

Accepted Answer

This Residential features 4 bedrooms, 2 bathrooms, 2,108 square feet of living space. It is a 2-story home. The lot is 0.21 acres.

Question 3

When was 643 400, Payson built?

Accepted Answer

This property was built in 1995, making it 31 years old. Homes from this era often feature solid construction. Buyers should review the condition of the roof, HVAC, and plumbing.

Question 4

What type of property is 643 400, Payson?

Accepted Answer

643 400, Payson is a Residential (Single Family Residence). The architectural style is Rambler/Ranch. It is located in the LITTLE MOUNTAIN ESTATES subdivision. Zoning: Single-Family.

Question 5

Does 643 400, Payson have a garage or parking?

Accepted Answer

Yes, this property includes a 2-car garage and 6 open parking spaces. Total parking capacity: 8 vehicles.

Question 6

Is there an HOA for 643 400, 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 643 400, Payson?

Accepted Answer

Annual property taxes for this property are approximately $2,225 (about $185/month). This represents an effective tax rate of approximately 0.42% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 8

What are the key features of 643 400, Payson?

Accepted Answer

Interior features include: Closet: Walk-In, Disposal, Kitchen: Updated, Range/Oven: Free Stdng., Granite Countertops. Exterior features include: Out Buildings, Lighting, Porch: Open, Patio: Open.    View: Mountain(s).

Question 9

Is 643 400, Payson a good deal?

Accepted Answer

Propaired's AI deal analysis classifies this property as a "Standard" with a deal score of 45/100. Key deal signals: 4.1% year-over-year market appreciation.  This analysis considers price relative to comparables, days on market, price reductions, and market conditions.

Question 10

What would the monthly mortgage payment be for 643 400, Payson?

Accepted Answer

At the current 30-year mortgage rate of 6.36% with 20% down, the estimated monthly principal and interest payment is $2,616. Including estimated taxes, the total monthly cost is approximately $2,801. A 15-year mortgage at 5.71% would be $3,478/month but saves significantly on interest. These are estimates — contact a lender for a personalized quote.

Question 11

How long has 643 400, Payson been on the market?

Accepted Answer

This property has been listed for 0 days. The average days on market in Payson is 68 days, meaning this listing is moving faster than the local average. This is a fresh listing — act quickly if interested.

Question 12

Is 643 400, Payson a good investment property?

Accepted Answer

Based on market rental data, this property has an estimated annual rent of $31,518 with a gross rental yield of 6.0%. Net rental yield (after estimated expenses): 3.9%.  Estimated debt service coverage ratio (DSCR): 0.88. Investor score: 42/100. These are estimates based on area comparables.

Question 13

What is the estimated rental income for 643 400, Payson?

Accepted Answer

Based on area comparables, the estimated monthly rent for this property is $2,626 ($31,512/year). The gross rent multiplier is 16.7x (lower is generally better for investors). Actual rental income will depend on property condition, local demand, and management approach.

Question 14

What lifestyle features does 643 400, Payson offer?

Accepted Answer

Propaired's AI has identified 2 lifestyle features for this property: Scenic Views, Workshop/Maker Space. The primary lifestyle niche is "scenic_views." These tags are derived from MLS data, property features, and location analysis.

Question 15

What recreation is near 643 400, Payson?

Accepted Answer

This property has a recreation score of 60/100. Nearby recreation includes: Red Lake trailhead (6.3 mi); Peteetneet Park park (0.5 mi); Gladstan Golf Course (2.7 mi); Utah Lake State Park (12.2 mi). Skiing: Sundance Resort (23.9 mi). Utah offers world-class outdoor recreation year-round, from skiing to hiking to national parks.

Question 16

Are there hiking trails near 643 400, Payson?

Accepted Answer

Yes, the nearest trailhead is Red Lake, just 6.3 miles from the property. Utah Lake State Park is 12.2 miles away. Utah has over 10,000 miles of hiking trails across its diverse terrain, from desert canyons to alpine meadows.

Question 17

What amenities and services are near 643 400, Payson?

Accepted Answer

This property has an amenity proximity score of 58/100. Nearby services include: Grocery: Macey's Santaquin (5.7 mi); Hospital: University Place (6.8 mi); Pharmacy: Santaquin Pharmacy (5.9 mi); Dining: Marco's pizza (5.5 mi). Gas station: 1.3 miles. Gym: Nebo Performance LLC (2.3 mi).

Question 18

How far is the nearest hospital from 643 400, Payson?

Accepted Answer

The nearest hospital is University Place, approximately 6.8 miles from the property. The nearest fire station is 2.3 miles away. Proximity to emergency services is an important safety factor for homebuyers.

Question 19

What schools serve 643 400, Payson?

Accepted Answer

Assigned schools: Elementary: Barnett; High: Salem Hills. There are 2 schools within 3 miles of this property. The highest-rated nearby school is Salem Hills High with a 63% state performance score (2.5 miles away). School district: Nebo.

Question 20

What high school is near 643 400, Payson?

Accepted Answer

The nearest high school is Salem Hills. View the full school profile on Propaired for test scores, enrollment, and student-to-teacher ratios.

Question 21

What elementary school is near 643 400, Payson?

Accepted Answer

The nearest elementary school is Barnett (1.9 miles away). State performance score: 59%. District: American Preparatory Academy. Propaired provides full school ratings and comparison data for all schools in this area.

Question 22

What is the internet speed at 643 400, 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 (25 Mbps, Fixed Wireless); Beehive Broadband (1000 Mbps, Fiber); CentraCom (75 Mbps, Fixed Wireless). Total providers: 14.

Question 23

Is 643 400, 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 24

How does this listing compare to the Payson market?

Accepted Answer

643 400, Payson is listed at $524,900, which is above the Payson median of $483,000 by $41,900. There are currently 98 active listings in Payson. Homes in Payson sell in an average of 68 days. The average sale-to-list ratio is 99.8%.

Question 25

What is the Payson real estate market like in 2026?

Accepted Answer

In 2026, the median home price in Payson is $483,000. There are currently 98 active listings. Homes sell in an average of 68 days. The average sale-to-list ratio is 99.8%. This listing at $524,900 is above the Payson 2026 median.

Question 26

Are there other homes for sale in Payson?

Accepted Answer

Yes — there are currently 98 active listings in Payson. Browse all Payson homes for sale at propaired.ai/listings/ut/payson. Prices range around a median of $483,000. Homes in Payson are selling in about 68 days on average.

Question 27

How does this price compare to the Utah state average?

Accepted Answer

At $524,900, this property is above the Utah state median of $517,990 by $6,910. Payson prices are 7% 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 28

What is the Propaired intelligence score for 643 400, Payson?

Accepted Answer

This property has a Propaired intelligence score of 54/100, combining deal value (45), recreation access (60), amenity proximity (58), broadband quality (100), and lifestyle features (2 tags). This composite score helps buyers quickly identify properties that match their priorities.

Question 29

What heating and cooling systems does 643 400, 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 30

What type of roof does 643 400, Payson have?

Accepted Answer

The roof material is Asphalt. Asphalt shingles typically last 20-30 years in Utah's climate. With a 31-year-old home, reviewing recent roof inspections is recommended.

Question 31

Does 643 400, Payson have a basement?

Accepted Answer

Yes, the basement is described as: Full. 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 32

What is 643 400, Payson constructed from?

Accepted Answer

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

Question 33

What type of flooring does 643 400, Payson have?

Accepted Answer

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

Question 34

What are the water and sewer connections for 643 400, Payson?

Accepted Answer

Water source: Culinary,Irrigation: Pressure. Sewer: Sewer: Connected,Sewer: Public.  Municipal sewer service means no septic maintenance costs. Water is a critical consideration in Utah's arid climate.

Question 35

What shopping and dining is near 643 400, Payson?

Accepted Answer

The nearest restaurant is Marco's pizza (5.5 miles away) and the nearest grocery store is Macey's Santaquin (5.7 miles). Coffee: The Coffee Stop in Salem (1.6 mi). Banking: UCCU - Santaquin Branch (6.0 mi). Overall amenity proximity score: 58/100.

Question 36

What would homeowner's insurance cost for 643 400, 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 $524,900, expect approximately $1,575-$2,625/year ($131-$219/month).   Get multiple quotes — rates vary significantly by insurer.

Question 37

What are the estimated closing costs for 643 400, Payson?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $524,900, expect approximately $10,498-$26,245 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 38

How does the property tax compare to the list price at 643 400, Payson?

Accepted Answer

The annual property tax of $2,225 represents an effective rate of 0.42% relative to the list price of $524,900. 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 39

What are the total estimated monthly costs for 643 400, Payson?

Accepted Answer

Estimated total monthly housing cost: $2,976. This includes principal & interest ($2,616 at 6.36% with 20% down), property tax ($185/mo), and estimated insurance (~$175/mo). Actual costs will vary based on your down payment, credit score, and insurance quotes.

Question 40

Is 643 400, Payson eligible for FHA or VA financing?

Accepted Answer

At $524,900, this property may exceed standard FHA loan limits and could require a conventional or jumbo loan. VA loans have no price cap but require VA eligibility.    Consult a mortgage lender for personalized eligibility.

Question 41

What is the estimated cap rate for 643 400, Payson?

Accepted Answer

The estimated cap rate (net rental yield) for this property is 3.9%, based on estimated annual rent of $31,518 and a purchase price of $524,900. Lower cap rates often indicate appreciation-focused markets where property values are expected to rise.

Question 42

Is Payson a good rental market?

Accepted Answer

Estimated monthly rent in Payson is approximately $2,277. Homes in Payson sell in an average of 68 days, indicating moderate demand in this market. There are 98 active listings currently. Gross rental yield in this area: 6.0%. Utah's steady population growth continues to drive rental demand.

Question 43

Could 643 400, Payson be a 1031 exchange property?

Accepted Answer

Yes, 643 400, 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 44

Is the Payson neighborhood appreciating in value?

Accepted Answer

Based on Zillow Home Value Index data, property values in this area have appreciated 4.1% over the past year. The current Zillow Home Value Index for this area is $285,394. This listing is priced at 184% of the ZHVI estimate. Past appreciation is not a guarantee of future performance.

Question 45

What is the price trend in Payson?

Accepted Answer

Payson's median price has increased 29.6% month-over-month. Current median: $483,000. Days on market have decreased by 17.7% month-over-month. Homes are selling at 99.8% of list price on average. Monitor these trends to time your offer strategically.

Question 46

What school district is 643 400, Payson in?

Accepted Answer

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

Question 47

How do nearby schools rank statewide?

Accepted Answer

Of the 2 nearby schools with state rankings, the highest-ranked is American Preparatory Academy - Salem at #190 statewide (59% performance score). Other ranked nearby schools include Salem Hills High (#256). Utah has approximately 1,000+ public schools, so a top-200 ranking indicates a strong-performing school.

Question 48

What parks are near 643 400, Payson?

Accepted Answer

The nearest local park is Peteetneet Park (0.5 miles away). The nearest state park is Utah Lake State Park (12.2 miles).  Parks and green spaces contribute to quality of life and are a positive factor for property values.

Question 49

Is there a golf course near 643 400, Payson?

Accepted Answer

The nearest golf course is Gladstan Golf Course, 2.7 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 50

What water activities are near 643 400, Payson?

Accepted Answer

Water recreation near this property includes: Utah Lake (12.5 mi); boat ramp at Lincoln Point (8.1 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 51

Is 643 400, Payson move-in ready?

Accepted Answer

Property condition is listed as: Blt./Standing.

Question 52

What updates might 643 400, Payson need?

Accepted Answer

At 31 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 53

Does 643 400, 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 54

What is the lot like at 643 400, Payson?

Accepted Answer

The lot is 0.21 acres. Lot features: Fenced: Full,View: Mountain. Terrain: Fenced: Full, Terrain, Flat, View: Mountain. Views: Mountain(s).  Lot characteristics affect usability, privacy, and future improvement potential.

Question 55

What utilities are available at 643 400, Payson?

Accepted Answer

Available utilities include: Natural Gas Connected,Electricity Connected,Sewer Connected,Sewer: Public,Water Connected. Water source: Culinary,Irrigation: Pressure. Sewer: Sewer: Connected,Sewer: Public. 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 56

Does 643 400, 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 57

Is there EV charging near 643 400, Payson?

Accepted Answer

The nearest EV charging station is EvGateway Charging Station, approximately 6.5 miles from the property. With a 2-car garage, installing a home Level 2 EV charger is straightforward — most installations cost $500-$2,000 including the charger. Utah offers a growing EV charging network along major corridors and in urban centers.

643 400, Payson, UT 84651

643 E 400 N, Payson, UT 84651

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