Payne County property record for 10818 E McElroy Rd, Stillwater, OK 74075
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,904 sqft · built 1997 |
| Lot Size | 22.8 acres (993,168 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,000 (Aug 2020) |
| Tax Bill | $6,402 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Aug 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19N04E-08-3-00000-000-0505 |
| Primary APN | 19N04E-08-3-00000-000-0505 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,904 sqft Living Area |
| 1st Floor Area | 1,904 sqft |
| Basement Area | 99 sqft |
| Unfinished Basement | 99 sqft |
| Cellar | Cellar |
| Storm Shelter | Storm Shelter |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Mobile Home |
| Exterior Material | Vinyl |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 993,168 sqft (22.8 acres) |
| Garage Type | Carport |
| Garage Area | 774 sqft |
| Carport | Carport |
| Carport Area | 774 sqft |
| Deck Area | 96 sqft |
|---|---|
| Patio Area | 192 sqft |
| Lean-To | 720 sqft |
| Utility Building | 1,500 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 46731 |
|---|---|
| Street Address | 10818 E MCELROY RD |
| City | STILLWATER |
| State | OK |
| Zip | 74075-8792 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 08-19N-04E C-505 (22.8ACM/L) E/2 E/2 SW/4 SW/4 & TR BEG 1294.44'E & 1321.99'N SW/C S/2 SW/4; E-643.06' S-432.01' W-50' S45W-7 |
| Legal Range | 04E |
| Legal Township | 19N |
| Legal Section | 08 |
| Legal Subdivision | 19N-04E |
| Jurisdiction | PAYNE OK |
| Township / Civil Division | STILLWATER |
| Census Block Group | 3 |
| Census Block | 3079 |
| Census Tract | 11101 |
10818 E McElroy Rd, a rural home, is owned and occupied by two individuals who bought it in August 2020.
Source: Payne County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 136 MT ETNA DR, CLAYTON, CA 94517-1505 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · Line of Credit PAYNE COUNTY BANK |
| Aug 3, 2020 | Warranty Deed, Transfer · Line of Credit PAYNE COUNTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2020 · Amount on File |
| Deed Sale | Aug 3, 2020 · Amount on File |
| Prior Sale | Jul 15, 2009 · Amount on File |
| Deed Document Number | 20208286 |
| Deed Book / Page | 2579 / 63 |
| Prior Transfer Date | Apr 12, 2006 |
| Prior Transfer Doc | 0016360052 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAYNE OK |
| Property Address | 10818 E MCELROY RD, STILLWATER, OK 74075-8792 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 136 MT ETNA DR, CLAYTON, CA 94517-1505 |
| Document Number | 0026480119 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 2648/119 |
| Instrument | 2021-010348 |
| Name | PAYNE COUNTY BANK |
|---|---|
| Type | Bank |
| Address | PERKINS, OK 74059 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Jul 5, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Aug 3, 2020 |
| Property Address | 10818 E MCELROY RD, STILLWATER, OK 74075-8792 |
| Document Number | 0025790063 |
| Book / Page | 2579 / 63 |
| Instrument Date | Jul 29, 2020 |
| Instrument | 2020-008286 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $523.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 136 MT ETNA DR, CLAYTON, CA 94517-1505 |
| Document Number | 2020008287 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 2020-008287 |
| Name | PAYNE COUNTY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2040 |
The 2025 property tax bill for 10818 E McElroy Rd was $6,402 with a homeowner's exemption, up 1.5% from the year before.
Source: Payne County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Payne County |
| Unified School District | Stillwater Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $67,220 (+6.09%) Land $4,503 Building $62,717 | $589,652 Land $39,507 Building $550,145 | |
| 2025 | $6,402.00 (+1.47%) | $63,361 (-) Land $3,819 Building $59,542 | |
| 2024 | $6,309.00 (+3.6%) | $63,361 (+3%) Land $3,819 Building $59,542 | $713,160 (+10.02%) Land $42,990 Building $670,170 |
| 2023 | $6,090.00 (+362.41%) | $61,516 (+366.7%) Land $4,233 Building $57,283 | $648,220 (+460.6%) Land $44,610 Building $603,610 |
| 2022 | $1,317.00 | $13,181 Land $1,866 Building $11,315 | $115,630 Land $16,370 Building $99,260 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 10818 E McElroy Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 risk around 10818 E McElroy Rd is high, ranking above 86% 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 86% of the US · above 74% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Centranet Fiber | 1,000 / 1,000 |
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