Kingfisher County property record for 109 Main St, Loyal, OK 73756
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1925 |
| Lot Size | 0.258 acres (11,248 sqft) |
| Owner | Individual Name on File |
| Last Sale | $7,000 (Feb 1996) |
| Tax Bill | $28 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10989 |
| Primary APN | 10989 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,248 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Porch | Slab |
|---|---|
| Patio Area | 16 sqft |
| Shed | 1 Shed |
| Shed Area | 308 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Space Heater |
| Account Number | 10989 |
|---|---|
| Street Address | 109 MAIN ST |
| City | LOYAL |
| State | OK |
| Zip | 73756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 11-13 BLOCK 4 LOYAL PROPER |
| Legal Range | 09W |
| Legal Township | 17N |
| Legal Section | 01 |
| Legal Subdivision | LOYAL PROPER |
| Legal Block | 4 |
| Legal Lot Number | 11-13 |
| Jurisdiction | KINGFISHER OK |
| Township / Civil Division | KINGFISHER |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 958200 |
109 Main St is owned and occupied by an individual who bought it in February 1996.
Source: Kingfisher County records, as of October 20, 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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 225, KINGFISHER, OK 73750-0225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 1996 · Amount on File |
| Deed Sale | Feb 9, 1996 · Amount on File |
| Deed Book / Page | 1486 / 142 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 109 Main St was $28 with a homeowner's exemption.
Source: Kingfisher County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Kingfisher County |
| Municipality | Loyal Town |
| Unified School District | Lomega Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,359 (+3.03%) Land $437 Building $922 | $12,352 (-71.92%) Land $3,974 Building $8,378 | |
| 2025 | $28.00 Homeowner's exemption | $1,319 Land $424 Building $895 | $43,983 Land $7,086 Building $36,897 |
| 2023 | $24.00 Homeowner's exemption | $1,280 Land $412 Building $868 | $23,280 Land $4,500 Building $18,780 |
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.
FEMA maps place 109 Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 2, 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 |
| Nearby Flood Claims | 2 (1995–2007) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2007 · Severe Storms, 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 109 Main St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 96% of Oklahoma |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOYAL serves 81 people · EPA ID OK2003701 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Nitrate-Nitrite resolved · Jan 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 13 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
| Pioneer Telephone Cooperative DSL · Fiber in parts of the area | 46 / 7 |
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