Terms & disclosures
The short version. Nothing on this website is a promise. Every figure is an estimate or an illustration, not an offer. No interest rate, payment, price, or approval is promised, guaranteed, or locked. The financing option described here requires you to qualify and to use the seller's preferred lender, and not every buyer will. Property details come from the MLS and public records and are believed reliable but are not guaranteed. Verify anything you intend to rely on.
What this site does not promise
So there is no ambiguity, this website does not promise, guarantee, or commit to any of the following:
- That you will be approved for a loan, or approved on any particular terms
- That any interest rate shown will be available to you, or to anyone
- That the 2/1 buydown or the reduced rate will be offered in your transaction
- That your monthly payment will match any figure shown here
- That the seller will accept either advertised price, or any offer
- That the property will appraise at any particular value
- That the property will hold or increase in value
- That any school, boundary, amenity, business, or travel time described here will remain as described
- That the condominium association's dues, rules, or rental policy will stay as they are today
Statements on this site describing the property as quiet, rarely available, well positioned for parking, or similar, are the seller's opinions, not verified facts. Treat them the way you would treat any seller's description, and inspect and verify for yourself.
1. About this website
This site is marketing material for a single residential property: 3647 W 2280 N, Unit E304, Lehi, Utah 84043, listed under MLS number 2176792. It is published on behalf of the seller. It is not a contract, an offer to sell, or a solicitation to buy where prohibited. Any sale will be governed solely by a written purchase agreement signed by the buyer and the seller.
The listing is represented by Julianna Williams of RND Properties, 899 W 5550 N, Smithfield, UT 84335. This site is published by the seller's family with the listing agent's knowledge and consent, and does not replace or override the listing agreement between the seller and the brokerage, the MLS listing, or any advertising the brokerage publishes. Where this site and the MLS listing differ, the MLS listing and the purchase agreement govern.
Nothing here creates an agency relationship between you and the seller, the brokerage, or the lender. If you are working with your own agent, continue to work through them.
2. Financing estimates and the payment calculator
Estimates only
The calculator on this site produces illustrations based on figures you select. It is not a loan offer, not a quote, not a pre-approval, and not a commitment to lend. No interest rate shown is locked, offered, or guaranteed. Actual terms are determined only after a complete application and underwriting review.
What the payments do and do not include
Payments shown are principal and interest only, calculated on a 30-year fixed amortisation. They do not include:
- Property taxes — approximately $1,483 per year, or about $124 per month
- Homeowners association dues — $223 per month
- Homeowner's (hazard) insurance
- Mortgage insurance, which most loans under 20% down will require
- Closing costs, prepaid items, and escrow reserves
Your actual monthly housing cost will be higher than the figures shown. The calculator does not display an Annual Percentage Rate (APR). Because APR reflects fees as well as the interest rate, it is the number to compare between lenders. Request a written Loan Estimate, which discloses your APR and itemised costs.
The 2/1 temporary buydown
A 2/1 temporary buydown reduces the interest rate used to calculate your payment by 2 percentage points in the first year and 1 percentage point in the second year. From the third year onward, you pay at the full note rate for the remaining life of the loan. The difference is funded in advance at closing and held in an escrow account; it is a subsidy of the payment, not a reduction of your loan balance or your note rate. You must be qualified at the full note rate, not the reduced initial rate. If the loan is paid off or refinanced early, any unused buydown funds are generally applied per the terms of the buydown agreement.
The "reduced rate"
The rate improvement shown in the calculator defaults to an illustrative value and is adjustable by you. It is a placeholder for discussion, not an advertised or offered rate. The actual reduction, if any, depends on your credit profile, loan programme, loan amount, occupancy, lock period, and market conditions on the day you lock.
Qualification is required
The reduced rate and the temporary buydown are subject to credit approval and to verification of income, assets, employment, and property value by appraisal. They are subject to programme eligibility and may not be available on every loan product or in every circumstance. Not all buyers will qualify. Terms are subject to change or withdrawal without notice.
Preferred lender condition, and your right to choose
The financing incentive described on this site is offered in connection with financing through the seller's preferred lender, Rick Anderton, NMLS ID 282670, of Ridge Home Loans, Company NMLS ID 1788928.
You are not required to use this lender. You may finance your purchase through any lender, mortgage broker, or bank you choose, and you may pay cash. Choosing a different lender does not affect your ability to purchase the property; it means only that this particular seller-funded incentive will not apply. You are encouraged to compare Loan Estimates from more than one lender.
Neither the seller nor the listing brokerage receives compensation from the preferred lender for referrals.
The two advertised prices
The seller is offering the property at $324,900, or at $335,000 structured with a 2/1 temporary buydown and reduced rate through the preferred lender. These are alternative structures for the same property; a buyer selects one. Either price remains subject to negotiation, seller acceptance, appraisal, and the terms of a written purchase agreement. The seller reserves the right to change or withdraw either price at any time before acceptance.
3. Property information
Property details — including price, square footage, room count and dimensions, year built, lot size, taxes, HOA dues, included appliances, and features — are drawn from UtahRealEstate.com (the Utah MLS), county records, and a floor plan prepared by Reel Media Utah. This information is believed reliable but is not guaranteed and is subject to change, errors, omissions, prior sale, or withdrawal without notice.
- Square footage is approximate. The home is 1,272 sq ft per county and MLS records, and that is the figure used throughout this site. The surveyed floor plan prints 1,243 sq ft because it measures interior finished area only, excluding 89 sq ft of walls; the two figures reflect different measurement methods rather than a discrepancy. Buyer is responsible for verifying all measurements.
- HOA dues of $223 per month and the listed inclusions are as published on the MLS. Dues, reserves, rules, and rental restrictions are set by the association and are subject to change. Buyer should review the association's governing documents, budget, reserve study, and financials.
- Included appliances are those identified on the MLS as conveying: range, microwave, dishwasher, and video doorbell. Items visible in photographs are not necessarily included. Inclusions are governed by the purchase agreement.
- Photographs depict the property and surrounding area at the time they were taken and may not reflect current condition. Some photographs have been colour-corrected. Furnishings are not included.
- The statement that this is the only condominium listed for sale north of 2100 North under $435,000 reflects the seller's understanding of the market at the time of publication. Market inventory changes daily and this is not a guarantee.
4. Neighbourhood, distances, and scores
Neighbourhood photographs were taken by the seller and are positioned on the map using the GPS coordinates recorded by the camera. Coordinates are accurate to consumer-device precision.
Distances and travel times are calculated from the building's coordinates using OpenStreetMap routing data. Walking times assume a pace of 3.1 miles per hour. Driving times do not account for traffic, weather, or road works. Treat all times as approximate.
The proximity scores shown on this site are our own index, calculated from those routed distances. They are not affiliated with, endorsed by, or derived from Walk Score®, which is a registered trademark of its owner.
5. Schools
School names and distances are as published by UtahRealEstate.com. This site does not publish school ratings or quality scores. Schools are listed so you know which ones serve the address and how far away they are — nothing more. If school quality matters to your decision, research it yourself through Alpine School District and the Utah State Board of Education.
School boundaries and assignments are set by the district and change from time to time. Enrolment at any particular school is not guaranteed by the purchase of this property. Confirm current boundaries directly with the district before relying on them.
6. Market data
Lehi median list price and median price per square foot are drawn from publicly reported market data for July and August 2026 and describe all property types, not condominiums specifically. Median figures describe a market, not this property, and are not an appraisal or an opinion of value.
The estimated standalone costs shown in the HOA comparison are our own estimates, provided to illustrate what the dues cover. They are not quotes from any utility or service provider.
7. Fair housing
This property is offered in compliance with the federal Fair Housing Act and the Utah Fair Housing Act. We do not discriminate on the basis of race, colour, religion, sex, disability, familial status, national origin, sexual orientation, gender identity, or source of income. Equal Housing Opportunity.
Ridge Home Loans is an Equal Housing Lender.
Descriptions of the neighbourhood on this site refer to physical amenities, distances, and public facilities only. Nothing here is intended as a description of the people who live in the area, and nothing here is intended to indicate any preference, limitation, or discrimination based on race, colour, religion, sex, disability, familial status, national origin, sexual orientation, gender identity, or source of income.
We deliberately do not describe the area as suited to any particular kind of household, do not reference the religion or demography of the neighbourhood, do not identify places of worship as selling features, and do not publish crime statistics or characterise the area as safe or unsafe. Schools are listed with distances and published third-party ratings so you can evaluate them yourself; their inclusion is not a statement about who should live here.
If you believe any content on this site conflicts with fair housing law, please tell the listing agent and it will be corrected promptly.
8. Privacy and analytics
This site uses Google Analytics to measure how visitors use the page — which sections are read, which photographs are opened, and which links are followed. Google Analytics sets cookies and processes a truncated version of your IP address. We do not collect names, email addresses, or phone numbers through this website, and we do not sell any data.
You can opt out using Google's browser add-on or by blocking cookies in your browser. Map tiles are served by CARTO and OpenStreetMap, and fonts by Google Fonts; those providers receive your IP address as a normal part of delivering their content.
9. Third-party content
- Map data © OpenStreetMap contributors, available under the Open Database License. Map tiles by CARTO.
- Listing data courtesy of UtahRealEstate.com.
- Floor plan by Reel Media Utah.
- Interior and community photographs are the property of Julianna Williams, RND Properties, who commissioned them and has authorised their use here. Neighbourhood and recreation photographs were taken by the seller.
10. Limitation
This site is provided "as is". While we have taken care to be accurate, we make no warranty as to the completeness or accuracy of any information on it, and we are not liable for decisions made in reliance on it. Consult your own real estate agent, lender, attorney, inspector, and tax advisor before entering into a transaction.
11. Contact
Listing agent
Julianna Williams, RND Properties
801-787-1237
Preferred lender
Rick Anderton, Lending Manager, Ridge Home Loans
801-414-8055 · team@ridgehomeloans.com
Individual NMLS ID 282670 · Company NMLS ID 1788928 · Equal Housing Lender
Verify either licence at NMLS Consumer Access.