how to tell SNPs location on UTR or CDS region

[bair]

Dear all,

I'm going to annotate SNPs to see its location in humna reference genome, e.g 5'UTR, CDS or 3'UTR region.

I download refFlat.txt from ucsc which has only 21493 unique genes (hg18, Feb26, 2010) with coordinate information for transcript and cds. We know there are >30k human genes, though lots are LOC*, where can I get the UTR and CDS information for all the genes?

Thanks