1105 W Spruce Ave, Duncan, OK 73533 Property Records

Stephens County property record for 1105 W Spruce Ave, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,598 sqft · built 1940
Lot Size	0.161 acres (6,998 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Feb 2022)
Tax Bill	$453 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13510`

Property Details

APN / Parcel Number

Primary APN	`13510`
Alternative APN	`1001-00-059-007-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,598 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,998 sqft (0.161 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13510
Street Address	1105 W SPRUCE AVE
City	DUNCAN
State	OK
Zip	73533-4067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 59 E50 LOT 7 DUNCAN CITY (1105 W SPRUCE)
Legal Range	07W
Legal Township	01N
Legal Section	32
Legal Subdivision	CITY OF DUNCAN ORIGINAL TOWNSITE
Legal Block	59
Legal Lot Number	7
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	1
Census Block	1014
Census Tract	300

Owner

1105 W Spruce Ave is owned by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	313 W BEECH AVE, DUNCAN, OK 73533-6150
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2022 · Amount on File
Deed Sale	Feb 22, 2022 · Amount on File
Prior Sale	Mar 7, 2002
Deed Document Number	20221755
Deed Book / Page	6121 / 30
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Feb 22, 2022
Property Address	1105 W SPRUCE AVE, DUNCAN, OK 73533-4067
Document Number	0006121/30
Book / Page	6121 / 30
Instrument Date	Feb 22, 2022
Instrument	I-2022-001755
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	STEPHENS COUNTY ABSTRACT COMPANY, STEPHENS CO ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	313 W BEECH AVE, DUNCAN, OK 73533-6150

Mortgage

Document Number	I2022001756
Date	Feb 22, 2022
Instrument	I-2022-001756

Lender

Name	BANCFIRST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	48 Months
Due	Feb 22, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 1105 W Spruce Ave was $453, down 0.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,055 (-5.95%) Land $500 Building $4,555	$45,952 (-5.96%) Land $4,549 Building $41,403
2025	$453.00 (-0.22%)	$5,375 (-0.28%) Land $500 Building $4,875	$48,862 (-0.28%) Land $4,549 Building $44,313
2024	$454.00 (-1.09%)	$5,390 (+0.47%) Land $500 Building $4,890	$48,999 (+0.46%) Land $4,549 Building $44,450
2023	$459.00	$5,365 Land $500 Building $4,865	$48,777 Land $4,549 Building $44,228

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 1105 W Spruce Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	2 (1978–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 1982 · rainfall accumulation

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 1105 W Spruce Ave is low, with less than 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 99.8% of the US · lower than 99.8% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 486 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
Nextlink Fixed Wireless	500 / 100
360 Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20