106 W Spruce St, Marlow, OK 73055 Property Records

Stephens County property record for 106 W Spruce St, Marlow, OK 73055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,431 sqft · built 1979
Lot Size	0.174 acres (7,575 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Jul 2021)
Tax Bill	$1,036 (2025)
Deeds & Mortgages	May 2019 Mortgage Jan 2010 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27855`

Property Details

APN / Parcel Number

Primary APN	`27855`
Alternative APN	`3035-00-002-003-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	1,599 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,575 sqft (0.174 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	203 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27855
Street Address	106 W SPRUCE ST
City	MARLOW
State	OK
Zip	73055-1134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 2 LOT 3 NORTHPARK ADD #1
Legal Range	07W
Legal Township	02N
Legal Section	8
Legal Subdivision	NORTHPARK ADDITION PT 1
Legal Block	2
Legal Lot Number	3
Jurisdiction	STEPHENS OK
Township / Civil Division	MARLOW
Census Block Group	3
Census Block	3005
Census Tract	902

Owner

106 W Spruce St is owned by two individuals who bought it in July 2021.

Source: Stephens County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1338 JOURNEYS END LN, JACKSONVILLE, FL 32223-1753
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
May 1, 2019	Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB
Jan 8, 2010	Deed of Trust, Mortgage · ARM MORTGAGE INVESTORS CORP
Jun 5, 2008	Deed of Trust, Mortgage · VA Mortgage COUNTRYWIDE BANK FSB
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage BOKF NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Apr 27, 1999
Deed Document Number	20216503
Deed Book / Page	6007 / 150
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	106 W SPRUCE ST, MARLOW, OK 73055-1134
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	TITLE FIRST NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005649/196
Date	May 1, 2019
Book Page	5649/196
Instrument	2019-004222

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Apr 22, 2029

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	106 W SPRUCE ST, MARLOW, OK 73055-1134
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	OKLAHOMA LAND TITLE SERVICES LLC, OKLAHOMA LAND TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003957/051
Date	Jan 8, 2010
Book Page	3957/051
Instrument	81-0206

Lender

Name	MORTGAGE INVESTORS CORP
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33707

Agreement

Type	ARM
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2030

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2013
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4.5%
Index	1-Year CMT
Margin	2
Max Rate	8.5%

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	106 W SPRUCE ST, MARLOW, OK 73055-1134
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	LAWYERS TITLE, LAWYERS TITLE OF OKLAHOMA CI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003715/099
Date	Jun 5, 2008
Book Page	3715/099
Instrument	78-5017

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2023

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Jul 14, 2021
Property Address	106 W SPRUCE ST, MARLOW, OK 73055-1134
Document Number	006007/150
Book / Page	6007 / 150
Instrument Date	Jul 12, 2021
Instrument	2021-006503
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
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	1338 JOURNEYS END LN, JACKSONVILLE, FL 32223-1753

Mortgage

Document Number	2021006504
Date	Jul 14, 2021
Instrument	2021-006504

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 106 W Spruce St was $1,036.

Source: Stephens County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$10,790 (+4.75%) Land $583 Building $10,207	$98,089 (+4.75%) Land $5,303 Building $92,786
2025	$1,036.00	$10,301 (-1.48%) Land $583 Building $9,718	$93,644 (-7.31%) Land $5,303 Building $88,341
2024	$1,036.00 (-0.96%)	$10,456 (+4.99%) Land $583 Building $9,873	$101,032 (+11.59%) Land $5,303 Building $95,729
2023	$1,046.00	$9,959 Land $583 Building $9,376	$90,537 Land $5,303 Building $85,234

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 106 W Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 Claims	1 (1990)
Most Recent Claim	May 1990 · Severe Storms, Tornadoes & 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 106 W Spruce St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Oklahoma
Wildfire Likelihood	0.03% 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	MARLOW MUNICIPAL AUTHORITY serves 4,600 people · EPA ID OK2006907
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	2 ppb (2022–2024) 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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable	1,000 / 50
360 Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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