For sale · Orem

$495,000

198 E 865 N, Orem

3 bedrooms2 bathrooms1,800 square feet

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3bedrooms

2bathrooms

1,800square feet

1952year built

9,583sq ft lot

The story

About this home.

Home facts

Price: $495,000
Status: For sale
Bedrooms: 3
Bathrooms: 2
Living area: 1,800 sq ft
Price per sq ft: $275
City: Orem
ZIP: 84057
Listed on: Oct 22, 2026
Days on the market: 17
Year built: 1952
Lot size: 9,583 sq ft
MLS number: 2192736

What it costs a month.

Your estimated payment

$2,683/mo

Principal and interest $2,683

Down payment 20% · $99,000Interest rate 7.18%

Rate starts at Freddie Mac's weekly 30-year average (2026-11-05) · $396,000 · An estimate only, not a loan offer. Property taxes and insurance are extra; a lender gives you real figures.

The full monthly cost: tax, insurance and mortgage insurance

The homePriceCitySets the property tax rate

The loanLoan typeDown payment %Conventional starts at 3%TermInterest rate %Freddie Mac's 30-year fixed average, week of Nov 5, 2026. Use your lender's rate.

$3,525 a month

A $495,000 home in Orem costs about $3,525 a month with 10% down at 7.18% (Conventional, 30 years), taxes, insurance and mortgage insurance included.

Principal and interestOn a $445,500 loan	$3,018
Property taxOrem's 2025 rate, 0.7964% (its 4 tax areas run 0.7964% to 0.9112%), on 55% of the value (primary home)	$181
Homeowner's insuranceOur assumption, not a quote	$103
Mortgage insurancePMI with under 20% down, until about year 10	$223
About a month	$3,525

Cash at closing: about $57,655 (the $49,500 down payment plus about $8,155 of lender, title and first-year insurance costs). Line by line

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Where it is.

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Based on information from UtahRealEstate.com as of 2026-11-08. 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.

IDX information is provided exclusively for consumers' personal non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed.

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Suzanne GallegosREALTOR

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