109 E Main St, Ripley, OK 74062 Property Records

Payne County property record for 109 E Main St, Ripley, OK 74062

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 967 sqft · built 1932
Lot Size	0.45 acres (19,612 sqft)
Owner	2 Trust Names on Record
Last Sale	$44,000 (Oct 2022)
Tax Bill	$900 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18N04E-20-3-RO700-023-0001`

Property Details

APN / Parcel Number

Primary APN	`18N04E-20-3-RO700-023-0001`
Alternative APNs	`600015535` `15535`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	967 sqft Living Area
1st Floor Area	967 sqft
Basement Area	967 sqft
Finished Basement	967 sqft
Unfinished Basement	967 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,612 sqft (0.45 acres)
Lot Dimensions	145 ft deep x 130 ft wide
Garage Type	Mixed
Garage Area	288 sqft
Porch	Slab
Porch Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15535
Street Address	109 E MAIN ST
City	RIPLEY
State	OK
Zip	74062-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TOWN RIPLEY BLK 23 LOTS 1-5
Legal Range	04E
Legal Township	18N
Legal Section	20
Legal Subdivision	ORIG TOWN RIPLEY
Legal Block	23
Legal Lot Number	1-5
Jurisdiction	PAYNE OK
Township / Civil Division	CUSHING
Census Block Group	1
Census Block	1026
Census Tract	11400

Owner

Source: Payne County records, as of February 6, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	109 E MAIN ST, RIPLEY, OK 74062-2009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage PAYNE COUNTY BANK
Oct 17, 2022	Warranty Deed, Transfer PAYNE COUNTY BANK
Feb 22, 2021	Deed of Trust, Mortgage · Commercial Mortgage PAYNE COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Jan 24, 2014 · Amount on Record
Deed Document Number	202212134
Deed Book / Page	2722 / 995
Last Transfer Date	Apr 8, 2024
Transfer Doc	0027970030
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	109 E MAIN ST, RIPLEY, OK 74062-2009
Transaction Type	Mortgage
Record Updated	Apr 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027430637
Date	Apr 5, 2023
Book Page	2743/637
Instrument	I-2023-002957

Lender

Name	PAYNE COUNTY BANK
Type	Bank
Address	PERKINS, OK 74059

Agreement

Amount	Amount Recorded

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Oct 17, 2022
Property Address	109 E MAIN ST, RIPLEY, OK 74062-2009
Document Number	0027220995
Book / Page	2722 / 995
Instrument Date	Oct 14, 2022
Instrument	I-2022-012134
Transaction Type	Transfer
Record Updated	Nov 2, 2022
Title Company	NOT AVAILABLE, OCTS

Transaction

Amount	Amount Recorded
Tax	$66.00
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	705 E CROCK, RIPLEY, OK 74062

Mortgage

Document Number	I2022012135
Date	Oct 17, 2022
Instrument	I-2022-012135

Lender

Name	PAYNE COUNTY BANK
Type	Bank

Agreement

Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	109 E MAIN ST, RIPLEY, OK 74062-2009
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 NEWPORT CT, PERKINS, OK 74059-4122

Mortgage

Document Number	0026140120
Date	Feb 22, 2021
Book Page	2614/120
Instrument	2021-002265

Lender

Name	PAYNE COUNTY BANK
Type	Bank
Address	PERKINS, OK 74059

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$900.00 (-6.25%) Homeowner's exemption	$10,218 (-) Land $148 Building $10,070
2024	$960.00 (+40.97%) Homeowner's exemption	$10,218 (+45.78%) Land $148 Building $10,070	$89,640 (+45.78%) Land $1,300 Building $88,340
2023	$681.00 (+215.28%)	$7,009 (+119.58%) Land $148 Building $6,861	$61,490 (+11.72%) Land $1,300 Building $60,190
2022	$216.00 Homeowner's exemption	$3,192 Land $75 Building $3,117	$55,040 Land $1,300 Building $53,740

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 63% of the US · lower than 75% of Oklahoma
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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	RIPLEY PWA serves 376 people · EPA ID OK2006013
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	29 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Centranet Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Atlink Services.

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