104 E Elm St, Stilwell, OK 74960 Property Records

Adair County property record for 104 E Elm St, Stilwell, OK 74960

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 904 sqft · built 1960
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on File
Last Sale	$94,600 (Aug 2024)
Tax Bill	$682 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2024 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`10674`

Property Details

APN / Parcel Number

Primary APN	`10674`
Alternative APN	`0120-00-016-004-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	904 sqft Living Area
1st Floor Area	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater

Location & Zoning

Account Number	10674
Street Address	104 E ELM ST
City	STILWELL
State	OK
Zip	74960-4416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE N 50X108 OF LOT 4 - BLK 16 FAIRVIEW
Legal Subdivision	FAIRVIEW
Legal Block	16
Legal Lot Number	4
Jurisdiction	ADAIR OK
Township / Civil Division	STILWELL EAST
Census Block Group	3
Census Block	3116
Census Tract	376900

Owner

104 E Elm St is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 E ELM ST, STILWELL, OK 74960-4416
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 15, 2019	Deed of Trust, Mortgage · Commercial Mortgage ARMSTRONG BANK
Aug 12, 2024	Warranty Deed, Transfer · USDA Mortgage ARVEST BANK
May 4, 2023	Warranty Deed, Transfer SCA TITLE LLC
Jan 19, 2024	Warranty Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO
Nov 14, 2016	Warranty Deed, Transfer
Jan 29, 2010	Joint Tenancy Deed, Transfer
Jan 29, 2010	Warranty Deed, Transfer · Conventional Mortgage ARMSTRONG BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2024 · Amount on File
Deed Sale	Aug 12, 2024 · Amount on File
Prior Sale	May 4, 2023 · Amount on File
Deed Document Number	20242242
Deed Book / Page	624 / 478
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR OK
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000561/376
Date	Nov 15, 2019
Book Page	0561/376
Instrument	2019-003311

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	STILWELL, OK 74960

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 15, 2029

Interest

Rate Type	Adjustable Rate

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Aug 12, 2024
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Document Number	000624/478
Book / Page	624 / 478
Instrument Date	Aug 8, 2024
Instrument	I-2024-002242
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	I2024002243
Date	Aug 12, 2024
Instrument	I-2024-002243

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	May 4, 2023
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Document Number	0000608/29
Book / Page	608 / 29
Instrument Date	Apr 28, 2023
Instrument	I-2023-001340
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	SCA TITLE LLC

Transaction

Amount	Amount on Record
Tax	$126.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E ELOY ST, STILWELL, OK 74960

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Jan 19, 2024
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Document Number	000616/749
Book / Page	616 / 749
Instrument Date	Apr 28, 2023
Instrument	I-2024-000143
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$126.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E 104 ST, STILWELL, OK 74960

November 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Nov 14, 2016
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Document Number	000529/330
Book / Page	0529 / 330
Instrument Date	Nov 14, 2016
Instrument	2016-002633
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	RR 4 BOX 2656, STILWELL, OK 74960-9499
Investor	Possibly a Property Investor

January 2010: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	ADAIR OK
Recording Date	Jan 29, 2010
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Document Number	000461/755
Book / Page	0461 / 755
Instrument	I-2010-000257
Transaction Type	Transfer
Record Updated	Apr 13, 2026

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
Address	104 E ELM ST, STILWELL, OK 74960-4416

January 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Jan 29, 2010
Property Address	104 E ELM ST, STILWELL, OK 74960-4416
Document Number	000461/755
Book / Page	0461 / 755
Instrument Date	Jan 29, 2010
Instrument	2010-000257
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 E ELM ST, STILWELL, OK 74960-4416

Mortgage

Document Number	2010000258
Date	Jan 29, 2010
Instrument	2010-000258

Lender

Name	ARMSTRONG BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 104 E Elm St was $682 with a homeowner's exemption, up 170.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	Adair County
Municipality	Stilwell City
Unified School District	Stilwell Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$9,738 (-14.58%) Land $1,134 Building $8,604	$81,149 (-14.58%) Land $9,450 Building $71,699
2025	$682.00 (+170.63%) Homeowner's exemption	$11,400 (+108.14%) Land $1,134 Building $10,266	$95,000 (+13.1%) Land $9,450 Building $85,550
2024	$252.00 (-34.72%) Homeowner's exemption	$5,477 (+3.01%) Land $908 Building $4,569	$84,000 (+89.57%) Land $9,450 Building $74,550
2023	$386.00	$5,317 Land $900 Building $4,417	$44,310 Land $7,500 Building $36,810

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 104 E Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms And Flooding

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 104 E Elm St is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · lower than 60% of Oklahoma
Wildfire Likelihood	0.4% 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	ADAIR CO RWD #3 serves 2,598 people · EPA ID OK3000106
Water Source	Purchased surface water from STILWELL
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
OzarksGo Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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