12 E St SW, Miami, OK 74354 Property Records

Ottawa County property record for 12 E St SW, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,078 sqft · built 1917
Lot Size	0.225 acres (9,840 sqft)
Owner	2 Individual Names on File
Last Sale	$78,000 (Aug 2019)
Tax Bill	$1,657 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage May 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`13834`

Property Details

APN / Parcel Number

Primary APN	`13834`
Alternative APN	`3520-00-089-011-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,078 sqft Living Area
1st Floor Area	1,078 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 2017
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,840 sqft (0.225 acres)
Lot Dimensions	120 ft deep x 82.5 ft wide
Garage Type	Mixed
Garage Area	660 sqft
Porch	Porch
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13834
Street Address	12 E ST SW
City	MIAMI
State	OK
Zip	74354-6715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 & N 32 1/2 LT 12, BLK 89 ORIGINAL PLAT I LIS PENDENS 1061/452
Legal Range	22E
Legal Township	28N
Legal Section	25
Legal Subdivision	MIAMI O.P. I
Legal Block	89
Legal Lot Number	11,12
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3037
Census Tract	574500

Owner

12 E St SW is owned and occupied by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	15270 S HIGHWAY 69, MIAMI, OK 74354-5238
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2019	Special Warranty Deed, Transfer · ARM ARVEST BANK
May 28, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on File
Deed Sale	Aug 12, 2019 · Amount on File
Prior Sale	May 28, 2019 · Amount on File
Deed Document Number	20193296
Deed Book / Page	1095 / 264
Prior Transfer Date	May 14, 2019
Prior Transfer Doc	001090/779
Record Updated	Oct 29, 2026

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Aug 12, 2019
Property Address	12 E ST SW, MIAMI, OK 74354-6715
Document Number	001095/264
Book / Page	1095 / 264
Instrument Date	Jul 18, 2019
Instrument	2019-003296
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	BUFFALO LAND ABSTRACT COMPANY, BUFFALO LAND ABSTRACT CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.00
Amount Accuracy	Full Amount Stated
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	15270 S HIGHWAY 69, MIAMI, OK 74354-5238

Mortgage

Document Number	2019003297
Date	Aug 12, 2019
Instrument	2019-003297

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

May 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OTTAWA OK
Recording Date	May 28, 2019
Property Address	12 E ST SW, MIAMI, OK 74354-6715
Document Number	001090/779
Book / Page	1090 / 779
Instrument Date	May 14, 2019
Instrument	2019-002124
Transaction Type	Foreclosure
Record Updated	Aug 26, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027

Tax Assessment & Valuation

The 2025 property tax bill for 12 E St SW was $1,657 with a homeowner's exemption, down 1.2% from the year before.

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,360 (+0.98%) Land $490 Building $16,870	$152,279 (+0.98%) Land $4,300 Building $147,979
2025	$1,657.00 (-1.19%)	$17,191 (-4.79%) Land $490 Building $16,701	$150,798 (-4.79%) Land $4,300 Building $146,498
2024	$1,677.00 (+0.48%)	$18,056 (+2.71%) Land $490 Building $17,566	$158,390 (-2.58%) Land $4,300 Building $154,090
2023	$1,669.00 (+7.82%)	$17,579 (+5%) Land $513 Building $17,066	$162,591 (-) Land $4,500 Building $158,091
2022	$1,548.00	$16,742 Land $513 Building $16,229	$162,591 Land $4,500 Building $158,091

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 12 E St SW in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	55 (1985–2019)
Claims Outside the SFHA	2 of 55
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2007 · 21 claims Severe Storms And Flooding, Apr 1994 · 10 claims Severe Storms & Flooding, Oct 1986 · 7 claims

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 12 E St SW is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Oklahoma
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MIAMI serves 13,704 people · EPA ID OK2005813
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on E St SW

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