For sale MLS# 2175042 · 89 days on the market
$539,900
It starts with a call with an agent.
645 N 550 W, Smithfield, UT 84335
About this home
Ask me about our 4.99% ARM*!! Welcome to this brand new Glendale plan currently under construction 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. Estimated completion will be early-mid October. *Pictures are of previously completed homes and may feature different design finishes and colors. Design sample photos included at the end of photos. --------------------------------------------------- *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.
Written by the listing agent.
Location
The neighbourhood: At Fox Meadows
20 for sale · $329.9K–$549.9K asking prices
The market in Smithfield today
$539,900 is 12% above the median asking price in Smithfield.
At $156 per sqft it asks 13% less than the median in the city.
39% of the listings for sale have lowered their price at least once.
From the listings for sale, as of October 26, 2026. Asking prices only: Utah does not make sold prices public.
Living in Smithfield
Smithfield is a city in Cache County, included in the Logan, Utah–Idaho Metropolitan Statistical Area and the second largest city in the area after Logan.
- 13,571 residents (2020)
- 7 named parks
Monthly payment
- Principal & interest
- $2,992
- Home insurance
- $110
- HOA
- $71
10% down ($53,990), 30-year fixed at 6.25%. Tax from the MLS record; insurance is an estimate. Not a loan offer.
Details
- Style
- Stories: 2
- Garage
- 2 cars
- Basement
- Full
- Lot
- 0.15 acres
- HOA
- $71/mo
- Subdivision
- VILLAGE AT FOX MEADOWS
See all 20 details
- Stories
- 3
- Rooms
- 14
- Parking
- Built-In
- Heating
- Forced Air, >= 95% efficiency
- Cooling
- Central Air
- Flooring
- Carpet, Tile
- Roof
- Asphalt
- Construction
- Stone, Stucco, Cement Siding
- Water
- Culinary
- Sewer
- Sewer: Connected
- County
- Cache
- Faces
- East
- Zoning
- Single-Family
- Terms
- Cash, Conventional, FHA, VA Loan, USDA Rural Development
- Bar: Wet
- Bath: Primary
- Bath: Sep. Tub/Shower
- Closet: Walk-In
- Den/Office
- Disposal
- Range/Oven: Free Stdng.
- Video Door Bell(s)
- Smart Thermostat(s)
- Double Pane Windows
See all 23 features
Interior
- Bar: Wet
- Bath: Primary
- Bath: Sep. Tub/Shower
- Closet: Walk-In
- Den/Office
- Disposal
- Range/Oven: Free Stdng.
- Video Door Bell(s)
- Smart Thermostat(s)
Exterior
- Double Pane Windows
- Porch: Open
- Sliding Glass Doors
- Patio: Open
Lot features
- Corner Lot
- View: Mountain
View
- Mountain(s)
Community amenities
- Pets Permitted
- Playground
- Pool
Utilities
- Natural Gas Connected
- Electricity Connected
- Sewer Connected
- Water Connected
Schools
Assigned schools as reported to the MLS by the listing agent. Boundaries change; confirm enrollment with the district. · Cache
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Listing courtesy of Visionary Real Estate / Tanner Watson. Based on information from UtahRealEstate.com as of 10/23/2026 3:18 PM. 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.