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Updated Bountiful UT Duplex for Sale

With home affordability top of mind for so many buyers, a property that can help pay its own mortgage, and that may come with a far-below-market interest rate, is about as rare and valuable as it gets. The Stern Team, recognized among the best real estate agents in Bountiful, is proud to present 804 W 4050 S, a beautifully updated brick duplex that opens the door to smart homeownership and serious investment potential on a single quiet cul-de-sac.

A Possible Assumable FHA Loan at a 3% Interest Rate

The standout opportunity here is one most listings simply cannot offer. A qualifying buyer may be able to assume the existing FHA loan at a 3% interest rate, a figure far below current market rates. In today's environment, that single detail can translate into significant monthly savings and meaningfully greater buying power, making this property stand apart from nearly anything else available. Paired with a duplex layout that lets you live in one unit and rent the other to help offset your mortgage, the math here becomes genuinely compelling, whether you are a first-time buyer house-hacking your way in or an investor focused on cash flow. It is the kind of combination that rewards moving quickly.

Two Updated Units, One Smart Investment

Why buy one home when you can own two? Each unit features 3 bedrooms, 2 bathrooms, a living room, and a spacious basement family room, with potential to create a future 4th bedroom for even more value. The property carries a strong rental history and has been extensively remodeled over the past five years, including updated kitchens with granite countertops, newer appliances, renovated bathrooms, LVP flooring, lighting, blinds, and two new water heaters installed in 2026. This is turnkey ownership for owner-occupants and investors alike.

A Quiet Cul-de-Sac, Minutes from Everything

Location strengthens the case. Tucked away on a quiet cul-de-sac in the highly desirable North Salt Lake and Bountiful area, the duplex offers convenient access to downtown Salt Lake City in just 10 to 15 minutes and the University of Utah in approximately 20. That proximity supports both strong tenant demand and an easy commute for owner-occupants.

Flexible Options for How You Live and Earn

This property adapts to your strategy. Live in one side and let the other help cover your housing costs, rent both units as a pure investment, or explore short-term rental, which is allowed with owner occupancy. It is a level of flexibility that few single properties can match, giving you room to adjust as your goals evolve.

Why Buyers Choose The Stern Team

A turnkey duplex with a possible assumable rate like this will not last long, and the right representation matters. The Stern Team has earned its standing among the top realtors in Bountiful through deep local knowledge, honest guidance, and a process that keeps clients confident from the first showing to the closing table. Working with a top real estate agent in Bountiful means every detail of this purchase is handled with care.

Schedule your private showing of 804 W 4050 S with The Stern Team today, and explore a rare chance to own two updated units, possibly at a 3% rate.