10131 N 450 Rd, Hulbert, OK 74441 Property Records

Cherokee County property record for 10131 N 450 Rd, Hulbert, OK 74441

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,104 sqft · built 1984
Lot Size	20.6 acres (899,514 sqft)
Owner	2 Individual Names on File
Tax Bill	$464 (2025)
Deeds & Mortgages	May 2023 Mortgage Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14522`

Property Details

APN / Parcel Number

Primary APN	`14522`
Alternative APN	`0000-20-18N-21E-0-013-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	899,514 sqft (20.6 acres)
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft

Exterior Amenities

Porch	Slab
Deck Area	20 sqft
Patio Area	20 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	14522
Street Address	10131 N 450 RD
City	HULBERT
State	OK
Zip	74441-3807
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	T18N R21E S20 BEG SE/C NE NE NE S8948'19" W658.97' TO SW/C NE NE NE S007'54" W658.68' S8948'39" W659.02' N008'11" E658.61
Legal Range	21E
Legal Township	18N
Legal Section	20
Jurisdiction	CHEROKEE OK
Township / Civil Division	HULBERT
Census Block Group	1
Census Block	1002
Census Tract	977702

Owner

10131 N 450 Rd, a rural home, is owned and occupied by two individuals who acquired it in October 2025.

Source: Cherokee County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10131 N 450 RD, HULBERT, OK 74441-3807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 21, 2025	Intrafamily Transfer, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025
Deed Sale	Oct 21, 2025
Prior Sale	Dec 20, 2013 · Amount on File
Deed Document Number	20257621
Deed Book / Page	1460 / 534
Prior Transfer Date	Oct 6, 2025
Prior Transfer Doc	001460/534
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	10131 N 450 RD, HULBERT, OK 74441-3807
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001383/607
Date	May 17, 2023
Book Page	1383/607
Instrument	I-2023-003585

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE OK
Recording Date	Oct 21, 2025
Property Address	10131 N 450 RD, HULBERT, OK 74441-3807
Document Number	001460/534
Book / Page	1460 / 534
Instrument Date	Oct 6, 2025
Instrument	I-2025-007621
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	OKLAHOMA LAND TITLE SERVICES LLC, OKLAHOMA LAND TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10131 N 450 RD, HULBERT, OK 74441-3807

Mortgage

Document Number	I2025007622
Date	Oct 21, 2025
Instrument	I-2025-007622

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 10131 N 450 Rd was $464.

Source: Cherokee County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Cherokee County
Elementary School District	Peggs Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$6,697 (+3%) Land $306 Building $6,391	$60,880 (-12.04%) Land $2,778 Building $58,102
2025	$464.00	$6,502 (+3.01%) Land $306 Building $6,196	$69,214 (-2.52%) Land $2,778 Building $66,436
2024	$464.00 (+6.18%)	$6,312 (+2.99%) Land $306 Building $6,006	$71,006 (+9.68%) Land $2,778 Building $68,228
2023	$437.00 (+2.82%)	$6,129 (+2.99%) Land $306 Building $5,823	$64,740 (+8.37%) Land $2,778 Building $61,962
2022	$425.00	$5,951 Land $306 Building $5,645	$59,741 Land $2,778 Building $56,963

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10131 N 450 Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 3, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10131 N 450 Rd is high, ranking above 83% of the US, with a 0.8% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 83% of the US · above 66% of Oklahoma
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PEGGS WATER COMPANY serves 1,925 people · EPA ID OK1221630
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity not recorded as resolved · Jun 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lake Region Technology & Communications Fiber	2,500 / 2,500

Cell Coverage

4G LTE (outdoors only), no 5G reported

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