10414 E McElroy Rd, Stillwater, OK 74075 Property Records

Payne County property record for 10414 E McElroy Rd, Stillwater, OK 74075

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,627 sqft · built 2007
Lot Size	21.7 acres (946,559 sqft)
Owner	2 Trust Names on Record
Last Sale	$360,000 (Sep 2021)
Tax Bill	$4,871 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19N04E-07-2-00000-000-0252`

Property Details

APN / Parcel Number

Primary APN	`19N04E-07-2-00000-000-0252`
Alternative APNs	`600004940` `4940`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,627 sqft Living Area
1st Floor Area	2,627 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	946,559 sqft (21.7 acres)
Garage Type	Mixed
Garage Area	623 sqft

Exterior Amenities

Porch	Slab
Porch Area	744 sqft
Shed	1 Shed
Shed Area	560 sqft
Utility Building	2,400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4940
Street Address	10414 E MCELROY RD
City	STILLWATER
State	OK
Zip	74075-8882
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	07-19N-04E B-252 (21.73ACM/L) BEG 660'E SW/C SE/4; N-591.23' N90E-1591.88' S-595' S90W-1599.28' POB
Legal Range	04E
Legal Township	19N
Legal Section	07
Legal Subdivision	19N-04E
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	3
Census Block	3113
Census Tract	11101

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	PO BOX 1085, STILLWATER, OK 74076-1085
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST
Mar 13, 2017	Warranty Deed, Transfer · Conventional with PMI OKLAHOMA CLOSING AND TITLE SERVICES, OKLAHOMA CLOSING & TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	Feb 23, 2007 · Amount on Record
Deed Document Number	202112159
Deed Book / Page	2655 / 488
Prior Transfer Date	Aug 30, 2006
Prior Transfer Doc	0016610852
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Recording Date	Jul 21, 2026
Property Address	10414 E MCELROY RD, STILLWATER, OK 74075-8882
Document Number	0000008220
Book / Page	2955 / 377
Instrument Date	Jul 17, 2026
Instrument	20268220
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	205 S STALLARD ST, STILLWATER, OK 74074-6226

Mortgage

Document Number	0000008220,
Date	Jul 21, 2026
Book Page	2955/377
Instrument	20268220

Lender

Name	BANCFIRST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Mar 13, 2017
Property Address	10414 E MCELROY RD, STILLWATER, OK 74075-8882
Document Number	0023830367
Book / Page	002383 / 000367
Instrument Date	Mar 10, 2017
Instrument	2840
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	OKLAHOMA CLOSING AND TITLE SERVICES, OKLAHOMA CLOSING & TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 N BOOMER RD #B2N STILLWATER OK 740753408, B2N, STILLWATER, OK 74075-3408

Mortgage

Document Number	23830368
Date	Mar 13, 2017
Book Page	002383/000368
Instrument	2841

Lender

Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Mar 12, 2022

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Payne County
Unified School District	Stillwater Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,145 (+6.09%) Land $3,609 Building $47,536	$448,643 (-0.98%) Land $31,664 Building $416,979
2025	$4,871.00 (+1.48%)	$48,209 (-) Land $3,058 Building $45,151
2024	$4,800.00 (+15.41%)	$48,209 (+14.75%) Land $3,058 Building $45,151	$453,080 (+19.46%) Land $28,740 Building $424,340
2023	$4,159.00 (+2.09%)	$42,012 (+3%) Land $3,183 Building $38,829	$379,260 (+6%) Land $28,740 Building $350,520
2022	$4,074.00	$40,789 Land $4,707 Building $36,082	$357,800 Land $41,290 Building $316,510

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

Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · 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
Nearby Flood Claims	1 (2019)
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, 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

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

Wildfire Risk	High above 85% of the US · above 70% of Oklahoma
Wildfire Likelihood	0.9% 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	51 EAST WATER serves 2,500 people · EPA ID OK3006003
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	3 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Centranet Fiber	1,000 / 1,000

May also be available: Verizon.

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