120 E Main St, Pawhuska, OK 74056 Property Records

Osage County property record for 120 E Main St, Pawhuska, OK 74056

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,344 sqft · built 1920
Lot Size	3 acres (130,680 sqft)
Owner	Company Name on File
Last Sale	$168,000 (Sep 2024)
Tax Bill	$1,860 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`04-25-09-40250`

Property Details

APN / Parcel Number

Primary APN	`04-25-09-40250`
Alternative APN	`24546`

Interior

Stories	1 Story
Building Area	1,344 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	130,680 sqft (3 acres)
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater
Heating Fuel	Electric

Location & Zoning

Account Number	24546
Street Address	120 E MAIN ST
City	PAWHUSKA
State	OK
Zip	74056-5214
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	O.T. PAWHUSKA LOTS 11 THRU 13 BLK 95
Legal Range	09E
Legal Township	25N
Legal Section	09
Legal Subdivision	PAWHUSKA O T
Legal Block	95
Legal Lot Number	11-13
Jurisdiction	OSAGE OK
Township / Civil Division	PAWHUSKA
Census Block Group	3
Census Block	3129
Census Tract	940013

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Pawhuska Downtown Historic District listed 1986 · 85 contributing resources · NRIS 86002355

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

120 E Main St, a commercial property, is owned by a company that bought it in September 2024.

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

Owner of Record	Company Name on File
Mailing Address	1234 W LAKESHORE BLF, CLEVELAND, OK 74020-3756
Owner Type	Company
Vesting	Company

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
Sep 3, 2024	Warranty Deed, Transfer · Commercial Mortgage BLUE SKY BANK
Mar 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN HERITAGE BANK
Oct 13, 2021	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN HERITAGE BANK
Mar 1, 2023	Warranty Deed, Transfer · Line of Credit AMERICAN HERITAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2024 · Amount on File
Deed Sale	Sep 4, 2024 · Amount on File
Prior Sale	Mar 1, 2023 · Amount on File
Deed Document Number	20245886
Deed Book / Page	1928 / 824
Record Updated	Oct 29, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSAGE OK
Recording Date	Sep 3, 2024
Property Address	120 E MAIN ST, PAWHUSKA, OK 74056-5214
Document Number	001928/814
Book / Page	1928 / 814
Instrument Date	Aug 29, 2024
Instrument	I-2024-005886
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1234 W LAKESHORE BLF, CLEVELAND, OK 74020-3756

Mortgage

Document Number	001928/818
Date	Sep 3, 2024
Book Page	1928/818
Instrument	I-2024-005887

Lender

Name	BLUE SKY BANK
Type	Bank
Address	PAWHUSKA, OK 74056

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 31, 2044

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE OK
Property Address	120 E MAIN ST, PAWHUSKA, OK 74056-5214
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001646/327
Date	Mar 28, 2017
Book Page	1646/327
Instrument	2017-002224

Lender

Name	AMERICAN HERITAGE BANK
Type	Bank
Address	PAWHUSKA, OK 74056

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE OK
Property Address	120 E MAIN ST, PAWHUSKA, OK 74056-5214
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001815/138
Date	Oct 13, 2021
Book Page	1815/138
Instrument	2021-008576

Lender

Name	AMERICAN HERITAGE BANK
Type	Bank
Address	PAWHUSKA, OK 74056

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSAGE OK
Recording Date	Mar 1, 2023
Property Address	120 E MAIN ST, PAWHUSKA, OK 74056-5214
Document Number	001872/245
Book / Page	1872 / 245
Instrument Date	Feb 15, 2023
Instrument	I-2023-001337
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRSTITLE & ABSTRACT SVCS LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.25
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
Address	177 HICKORY HILL DR, PRYOR, OK 74361-8931

Mortgage

Document Number	001872/248
Date	Mar 1, 2023
Book Page	1872/248
Instrument	I-2023-001338

Lender

Name	AMERICAN HERITAGE BANK
Type	Bank
Address	PAWHUSKA, OK 74056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Feb 16, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 120 E Main St was $1,860, down 0.2% from the year before.

Source: Osage County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$20,732 (+2.84%) Land $997 Building $19,735	$172,770 (+2.84%) Land $8,310 Building $164,460
2025	$1,860.00 (-0.16%)	$20,160 (+2.98%) Land $723 Building $19,437	$168,000 (+2.98%) Land $6,027 Building $161,973
2024	$1,863.00 (+117.89%)	$19,577 (+105.34%) Land $723 Building $18,854	$163,141 (+89.85%) Land $6,027 Building $157,114
2023	$855.00 (+5.69%)	$9,534 (+10.26%) Land $723 Building $8,811	$85,930 (+19.24%) Land $6,027 Building $79,903
2022	$809.00	$8,647 Land $723 Building $7,924	$72,064 Land $6,027 Building $66,037

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 120 E Main St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2017

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 120 E 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 80% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Wake Wireless Fixed Wireless	500 / 200
Atlink Services Fixed Wireless	100 / 20
Osage Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile, Verizon.

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