12099 E Hwy 20, Spavinaw, OK 74366 Property Records

Mayes County property record for 12099 E Hwy 20, Spavinaw, OK 74366

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,860 sqft · built 2019
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$44,000 (Mar 2015)
Tax Bill	$2,067 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0000-01-22N-21E-3-001-00`

Property Details

APN / Parcel Number

Primary APN	`0000-01-22N-21E-3-001-00`
Alternative APN	`9084`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	1,216 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	435,600 sqft (10 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	680 sqft
Deck Area	200 sqft
Patio Area	216 sqft
Shed	1 Shed
Shed Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	9084
Street Address	12099 E HIGHWAY 20
City	SPAVINAW
State	OK
Zip	74366-2167
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	TM
Legal Description	01-22N-21E 1281/867 SWSWSW AG, OTHER PROPERTY
Legal Range	21E
Legal Township	22N
Legal Section	01
Legal Subdivision	T22N-R21E
Jurisdiction	MAYES OK
Township / Civil Division	EAST MAYES
Census Block Group	3
Census Block	3019
Census Tract	40700

Owner

12099 E Hwy 20, a rural home, is owned and occupied by an individual who bought it in March 2015.

Source: Mayes County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
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
Jan 16, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Dec 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage BANK OF GRAND LAKE
Sep 20, 2017	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Jun 14, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVESTMENT SERVICES CORP
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 24, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2015 · Amount on File
Deed Sale	Mar 18, 2015 · Amount on File
Deed Document Number	20151996-663916
Deed Book / Page	1281 / 867
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167

Mortgage

Document Number	001595/875
Date	Jan 16, 2026
Book Page	1595/875
Instrument	I-1996-753047

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	255 S OLD WOODWARD AVE STE 300, BIRMINGHAM, MI 48009

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01346/0039
Date	Dec 19, 2017
Book Page	1346/0039
Instrument	1996-685189

Lender

Name	BANK OF GRAND LAKE
Type	Non-Lending Institution
Address	GROVE, OK 74344

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01339/0913
Date	Sep 20, 2017
Book Page	1339/0913
Instrument	1996-683169

Lender

Name	ARVEST BANK
Type	Bank
Address	TULSA, OK 74103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 19, 2032

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
Transaction Type	Mortgage
Record Updated	Mar 8, 2022
Title Company	GRAND RIVER ABSTRACT AND TITLE, GRAND RIVER ABSTRACT KINGSTI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01384/0127
Date	Jun 14, 2019
Book Page	1384/0127
Instrument	1996-696727

Lender

Name	MORTGAGE INVESTMENT SERVICES CORP
Type	Mortgage Company
Address	SHAWNEE, KS 66226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001419/293
Date	Sep 15, 2020
Book Page	1419/293
Instrument	2020-706630

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2048

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	12099 E HIGHWAY 20, SPAVINAW, OK 74366-2167
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001446/32
Date	Jun 24, 2021
Book Page	1446/32
Instrument	1996-713979

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12099 E Hwy 20 was $2,067 with a homeowner's exemption, up 2.8% from the year before.

Source: Mayes County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Mayes County
Unified School District	Adair Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,958 (+3%) Land $561 Building $22,397	$204,984 (-29.54%) Land $5,009 Building $199,975
2025	$2,067.00 (+2.78%) Homeowner's exemption	$22,290 (+3%) Land $545 Building $21,745	$290,929 (-0.44%) Land $14,611 Building $276,318
2024	$2,011.00 (+5.18%) Homeowner's exemption	$21,641 (+3%) Land $529 Building $21,112	$292,211 (+10.07%) Land $14,611 Building $277,600
2023	$1,912.00 Homeowner's exemption	$21,010 Land $466 Building $20,544	$265,468 Land $14,611 Building $250,857

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 12099 E Hwy 20 in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2015.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (2015–2019)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2019
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2019 · 2 claims Severe Winter Storms And Flooding, Dec 2015 · 3 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 12099 E Hwy 20 is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 43% of Oklahoma
Wildfire Likelihood	0.4% 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	JAY serves 2,482 people · EPA ID OK1021674
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Salina Spavinaw Telephone Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
The Junction Internet Fixed Wireless	100 / 20

12099 E Hwy 20, Spavinaw, OK 74366 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Hwy 20

Nearby Streets

Search Property Records by Address or Parcel Number