106 E Main St, Covington, OK 73730 Property Records

Garfield County property record for 106 E Main St, Covington, OK 73730

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1955
Lot Size	0.241 acres (10,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$61,000 (Feb 2026)
Tax Bill	$518 (2025)
Deeds & Mortgages	May 2010 Line of Credit Jun 2011 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25623`

Property Details

APN / Parcel Number

Primary APN	`25623`
Alternative APN	`6140-00-035-020-0-131-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,499 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	15 sqft
Deck Area	64 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	25623
Street Address	106 E MAIN ST
City	COVINGTON
State	OK
Zip	73730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20-22 BLOCK 35 SD-C94 EAST COVINGTON SW/4 12-21-4
Legal Range	04W
Legal Township	21N
Legal Section	12
Legal Subdivision	EAST COVINGTON
Legal Block	35
Legal Lot Number	20-22
Jurisdiction	GARFIELD OK
Township / Civil Division	SOUTH GARFIELD
Census Block Group	4
Census Block	4136
Census Tract	1200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	17813 S STABE RD, AMES, OK 73718-1827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 4, 2010	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST CO COVINGTON
Jun 9, 2011	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST CO
Feb 6, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Aug 11, 2023	Warranty Deed, Transfer · FHA Mortgage PRIMELENDING
Dec 14, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	Aug 11, 2023 · Amount on Record
Deed Document Number	20261010
Deed Book / Page	2743 / 721
Prior Transfer Date	Dec 12, 2017
Prior Transfer Doc	02365/0358
Record Updated	Oct 29, 2026

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	106 E MAIN ST, COVINGTON, OK 73730
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01984/0462
Date	May 4, 2010
Book Page	1984/0462

Lender

Name	FIRST BANK & TRUST CO COVINGTON
Address	COVINGTON, OK 73730

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.5%

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	106 E MAIN ST, COVINGTON, OK 73730
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02035/0046
Date	Jun 9, 2011
Book Page	2035/0046

Lender

Name	FIRST BANK & TRUST CO
Type	Bank
Address	COVINGTON, OK 73730

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 25, 2021

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Index	1-Year CMT

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARFIELD OK
Recording Date	Feb 6, 2026
Property Address	106 E MAIN ST, COVINGTON, OK 73730
Document Number	002743/721
Book / Page	2743 / 721
Map Reference	MB 35 PG 721
Instrument Date	Feb 6, 2026
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	GUARANTY ABSTRACT COMPANY, GUARANTEE ABSTRACT COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.50
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
Address	17813 S STABE RD, AMES, OK 73718-1827

Mortgage

Document Number	0002743724
Date	Feb 6, 2026
Instrument	2743/724

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARFIELD OK
Recording Date	Aug 11, 2023
Property Address	106 E MAIN ST, COVINGTON, OK 73730
Document Number	02023/6546
Book / Page	2023 / 6546
Instrument Date	Aug 10, 2023
Transaction Type	Transfer
Record Updated	Feb 27, 2025
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$67.50
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
Address	106 E MAIN ST, COVINGTON, OK 73730

Mortgage

Document Number	0020236547
Date	Aug 11, 2023
Instrument	2023/6547

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	02023/6548
Date	Aug 11, 2023
Book Page	2023/6548

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GARFIELD OK
Recording Date	Dec 14, 2017
Property Address	106 E MAIN ST, COVINGTON, OK 73730
Document Number	02365/0358
Book / Page	2365 / 0358
Instrument Date	Dec 12, 2017
Transaction Type	Transfer
Record Updated	Dec 19, 2023

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	Joint Tenants with Right of Survivorship
Address	PO BOX 231, COVINGTON, OK 73730-0231

Tax Assessment & Valuation

Source: Garfield County assessment roll, as of March 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Garfield County
Municipality	Covington Town
Unified School District	Covington-Douglas Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$6,326 (+1.98%) Land $225 Building $6,101	$50,607 (+1.98%) Land $1,800 Building $48,807
2025	$518.00 (-7.83%) Homeowner's exemption	$6,203 (+0.08%) Land $225 Building $5,978	$49,624 (+0.09%) Land $1,800 Building $47,824
2024	$562.00 (+1.26%) Homeowner's exemption	$6,198 (+20.87%) Land $225 Building $5,973	$49,581 (+15.6%) Land $1,800 Building $47,781
2023	$555.00 (+8.82%)	$5,128 (+4.97%) Land $214 Building $4,914	$42,890 (-) Land $1,800 Building $41,090
2022	$510.00	$4,885 Land $203 Building $4,682	$42,890 Land $1,800 Building $41,090

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 June 7, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	COVINGTON serves 553 people · EPA ID OK3002419
Water Source	Purchased groundwater from SALT FORK WATER AUTHORITY
Last State Inspection	Jul 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pioneer Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Chisholm Broadband.

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