118 Harned Rd, Elgin, OK 73538 Property Records

Comanche County property record for 118 Harned Rd, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,232 sqft · built 1986
Lot Size	1 acres (43,859 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2022)
Tax Bill	$2,523 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04N11W-25-2-92900-001-0004`

Property Details

APN / Parcel Number

Primary APN	`04N11W-25-2-92900-001-0004`
Alternative APNs	`092900-0010004-00000` `160043415` `43415`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,232 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Metal
Lot Area	43,859 sqft (1 acres)
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43415
Street Address	118 HARNED RD
City	ELGIN
State	OK
Zip	73538-8415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE ACRES BLK 1 LOT 4
Legal Range	11W
Legal Township	04N
Legal Section	25
Legal Subdivision	LAKESIDE ACRES
Legal Block	1
Legal Lot Number	4
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHWEST COMANCHE
Census Block Group	1
Census Block	1079
Census Tract	2201

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	118 HARNED RD, ELGIN, OK 73538-8415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2018	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 11, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Prior Sale	Jan 4, 2006 · Amount on Record
Deed Document Number	202212327
Deed Book / Page	9125 / 243
Prior Transfer Date	Apr 14, 2011
Prior Transfer Doc	06405/0017
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMANCHE OK
Property Address	118 HARNED RD, ELGIN, OK 73538-8415
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	UNKNOWN, CADDO COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008017/199
Date	Apr 9, 2018
Book Page	8017/199
Instrument	2018-004991

Lender

Name	USDA
Type	Government Agency
Address	ANADARKO, OK 73005

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 6, 2043

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Jul 11, 2022
Property Address	118 HARNED RD, ELGIN, OK 73538-8415
Document Number	009125/243
Book / Page	9125 / 243
Instrument Date	Jul 8, 2022
Instrument	2022-012327
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	OKLAHOMA FAMILY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022012328
Date	Jul 11, 2022
Instrument	2022-012328

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Comanche County assessment roll, as of January 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Comanche County
Unified School District	Elgin Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,189 (+5%) Land $4,699 Building $21,490	$232,789 (-0.77%) Land $41,766 Building $191,023
2025	$2,523.00	$24,942 (+0.67%) Land $1,238 Building $23,704	$234,602 (+6.52%) Land $11,000 Building $223,602
2024	$2,523.00 (+6.77%)	$24,777 (+9.52%) Land $1,238 Building $23,539	$220,238 (+9.52%) Land $11,000 Building $209,238
2023	$2,363.00	$22,623 Land $1,238 Building $21,385	$201,093 Land $11,000 Building $190,093

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 November 27, 2025 · 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	4 in force
Nearby Flood Claims	2 (2020–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · 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

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

Wildfire Risk	High above 85% of the US · above 71% of Oklahoma
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	CADDO CO RWD #3 serves 3,900 people · EPA ID OK2000816
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) 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	5 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Southwest Oklahoma Telephone Company Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: TDS Telecom.

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