$539,900
645 N 550 , Smithfield, UT 84335
- 3
- beds
- 2 full · 1 half
- baths
- 3,457
- sqft
- 2026
- year built
- Status:
- Active
- MLS #:
- 2193762
- Neighborhood:
- VILLAGE AT FOX MEADOWS
- County:
- Cache
- Listed By:
- Tanner Watson - Visionary Real Estate
- Agent Email:
- twatson@visionaryhomes.com
Sponsoring Broker: Christine Eisenberg, Continental Real Estate Group, Inc
Ask me about our 4.99% ARM*!! Welcome to this brand new Glendale plan recently finished on a prime corner lot in the Village at Fox Meadows community just down the street from the Smithfield Temple, Forrester Acres Park, Birch Creek Elementary, and more. Off the main entry is a flex room/office and the stairs leading both upstairs and into an unfinished basement. The main floor hosts a large great room, dining space, and kitchen with a mudroom and half bath. Upstairs, you'll find a generous loft area, conveniently placed laundry room, and 3 bedrooms. One of which being the Primary Suite featuring a separate walk-in shower and soaker tub and roomy walk-in closet. The unfinished basement provides plenty of room for growth/expansion. --------------------------------------------------- *Special savings and financing opportunities are available on select quick move-in homes. Buyer must finance through First Colony Mortgage Corporation (NMLS ID 3112) to qualify. The advertised 4.99% rate is the initial interest rate on a 30-year conventional 7/6 adjustable-rate mortgage (ARM) and reflects an annual percentage rate (APR) of 5.987%. This loan is an Adjustable Rate Mortgage. The interest rate and principal and interest payments are subject to increase after consummation. The interest rate is fixed for the first seven years. Beginning with the 85th month the rate and payment will adjust, and will adjust every six months thereafter, based on the sum of the 30-Day Average SOFR index (at 3.648% as of September 14, 2026) plus a margin of 3.000%. The rate may increase by up to 5% at the first adjustment and up to 1% at each adjustment thereafter, subject to a lifetime maximum interest rate of 9.99% and a minimum of 3.00%. Based on a $430,000 purchase price and a $344,000 loan amount with 20% down, a 0.5% discount point paid by the buyer, and a 740 credit score, this transaction would have 84 monthly principal and interest payments of $1,844.56 at the initial rate of 4.990%, followed by 276 monthly principal and interest payments of $2,141.88 at the fully indexed rate of 6.648%. Payments shown are principal and interest only and do not include taxes, insurance, or HOA dues, so actual payments will be higher. Rates and APR are effective September 14, 2026, depend on borrower qualification, and are subject to change without notice due to market conditions. Financing is subject to credit approval and is not a commitment to lend. Offers, availability, eligibility requirements, terms, conditions, and deadlines vary by home and may change or end without notice. Contact a Visionary Homes Sales Professional or a First Colony Mortgage Loan Officer for current availability, complete program details, and financing terms. First Colony Mortgage Corporation is not affiliated with any third parties that may be referenced in this communication.
Highlights
- Residential
- Single Family Residence
- Built in 2026
- 0.15 Acre Lot
- $71/mo HOA
- 2 Car Garage
- 12 days on Market
-
- Bedrooms
- 3
-
- Bathrooms
- 2 full · 1 half
-
- Year Built
- 2026
-
- Stories
- 3.0
-
- Architectural Style
- Stories: 2
-
- Construction Materials
- Stucco, Stone, Cement Siding
-
- Garage Spaces
- 2.0
-
- Living Area
- 3457.0
-
- Interior Features
- Walk-In Closet(s), Wet Bar
-
- Appliances
- Range, Disposal, Oven
-
- Flooring
- Tile, Carpet
-
- Patio And Porch
- Patio, Porch
-
- Cooling
- Central Air
-
- Heating
- Forced Air
-
- Basement
- Full
-
- Acres
- 0.15
-
- Lot Features
- Corner Lot
-
- View
- Mountain(s)
-
- Utilities
- Natural Gas Available, Natural Gas Connected, Electricity Connected, Sewer Connected, Water Connected
-
- Area
- Smithfield; Amalga; Hyde Park
-
- County
- Cache
-
- City
- Smithfield
-
- Neighborhood
- VILLAGE AT FOX MEADOWS
-
- Zip Code
- 84335
-
- High School
- Sky View
-
- Middle School
- North Cache
-
- Elementary School
- Birch Creek
-
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Price History
| 10/29/2026 | Listed | $539,900 |
| Source: UtahRealEstatecom #2193762 | ||
Source: MLS Data
Deed History
| 03/21/2025 | Warranty Deed | $0 |
Source: Public records via Constellation Data Labs
Mortgage History
| 05/23/2025 | Loan Amount keyed is an Aggregate amount | $40,000,000 |
| 01/23/2025 | Building or Construction Loan | $40,000,000 |
Source: Public records via Constellation Data Labs
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Similar Listings
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There are currently 118 properties available in Smithfield, with 5 under contract to close soon. Properties in the city have an average sale price of $478,469 and typically spend 0 days on the market before being sold.
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Source: ez Home Search, MLS Data
Frequently Asked Questions
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How do I get more information about 645 N 550?
Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $539,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Smithfield, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 645 N 550?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 645 N 550 at around $3,073. This includes estimated property taxes and insurance.
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Can I negotiate the asking price for 645 N 550?
In most cases, yes. Whether 645 N 550 is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Smithfield's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
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What is the price per square foot for this home?
This home is listed at $539,900 with 3,457 sqft of space—that comes out to approximately $156 per square foot.
How long has this property been on the market?
645 N 550 was listed on October 29, 2026, which means it's been on the market for 12 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 2026, making it approximately 0 years old.
What is the lot size of this property?
645 N 550 sits on a 0.15-acre lot, which is 6,534 square feet.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: Birch Creek
- Middle: North Cache
- High: Sky View
Want to see how these schools compare? Check out our Cache County School Guide to see ratings, reviews, and more for the schools in the area.
What are the property taxes for 645 N 550?
The most recent public record shows annual property taxes for 645 N 550 were approximately $1. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is there an HOA fee for this property, and what does it cover?
This home has an HOA fee of $71 paid monthly.
This covers access to community features including: Playground, Pool.
Is 645 N 550 still available for sale?
Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.
Source: ez Home Search, MLS Data
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Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of November 10, 2026 at 10:33AM. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Last Updated: November 10, 2026 at 10:33AM | Source: UtahRealEstatecom | MLS#: 2193762
