122 S 3rd St, Yale, OK 74085 Property Records

Payne County property record for 122 S 3rd St, Yale, OK 74085

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,995 sqft · built 1918
Lot Size	0.481 acres (20,937 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (Jan 2026)
Tax Bill	$1,672 (2025)
Deeds & Mortgages	May 2024 Line of Credit Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19N06E-19-1-YO700-020-0019`

Property Details

APN / Parcel Number

Primary APN	`19N06E-19-1-YO700-020-0019`
Alternative APNs	`600025631` `25631`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	1,995 sqft Living Area
1st Floor Area	1,391 sqft
2nd Floor Area	604 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	20,937 sqft (0.481 acres)
Lot Dimensions	140 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	504 sqft

Exterior Amenities

Porch	Slab
Porch Area	274 sqft
Patio Area	112 sqft
Shed	1 Shed
Shed Area	528 sqft
Utility Building	504 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	25631
Street Address	122 S 3RD ST
City	YALE
State	OK
Zip	74085-5502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TOWN YALE BLK 20 LOTS 19-24
Legal Range	06E
Legal Township	19N
Legal Section	19
Legal Subdivision	ORIG TOWN YALE
Legal Block	20
Legal Lot Number	19-24
Jurisdiction	PAYNE OK
Township / Civil Division	YALE
Census Block Group	2
Census Block	2058
Census Tract	11200

Owner

Source: Payne 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	122 S 3RD ST, YALE, OK 74085-5502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 20, 2024	Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK & TRUST CO
Jan 20, 2026	Deed, Transfer · FHA Mortgage ASSOCIATED MORTGAGE CORP
Feb 20, 2025	Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 7, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Feb 20, 2025 · Amount on Record
Deed Document Number	2026524
Deed Book / Page	2915 / 829
Prior Transfer Date	Jul 2, 2024
Prior Transfer Doc	0000006476
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	122 S 3RD ST, YALE, OK 74085-5502
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 BERRY IN, KENDALLVILLE, IN 46755

Mortgage

Document Number	0028020275
Date	May 20, 2024
Book Page	2802/275
Instrument	I-2024-004615

Lender

Name	EXCHANGE BANK & TRUST CO
Type	Bank
Address	310 N MAIN ST, STILLWATER, OK 74075

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	May 31, 2025

Interest

Change Frequency	Monthly

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PAYNE OK
Recording Date	Jan 20, 2026
Property Address	122 S 3RD ST, YALE, OK 74085-5502
Document Number	0029150829
Book / Page	2915 / 829
Instrument Date	Dec 18, 2025
Instrument	I-2026-000524
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	ELITE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 S 3RD ST, YALE, OK 74085-5502

Mortgage

Document Number	I2026000525
Date	Jan 20, 2026
Instrument	I-2026-000525

Lender

Name	ASSOCIATED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	0029150848
Date	Jan 20, 2026
Book Page	2915/848
Instrument	I-2026-000526

Lender

Name	US BANK NA
Type	Bank
Address	9380 EXCELSIOR BLVD # 33, HOPKINS, MN 55343

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

February 2025: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	PAYNE OK
Recording Date	Feb 20, 2025
Property Address	122 S 3RD ST, YALE, OK 74085-5502
Document Number	0028450593
Book / Page	2845 / 593
Instrument Date	Feb 6, 2025
Instrument	I-2025-001557
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 15, 2026
Title Company	OKLAHOMA TITLE AND CLOSING, OKLAHOMA TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$258.75
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	I2025001558
Date	Feb 20, 2025
Instrument	I-2025-001558

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Dec 7, 2023
Property Address	122 S 3RD ST, YALE, OK 74085-5502
Document Number	0027790151
Book / Page	2779 / 151
Instrument Date	Dec 4, 2023
Instrument	I-2023-011894
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,280 (+313.51%) Land $460 Building $21,820	$195,440 (+313.45%) Land $4,040 Building $191,400
2025	$1,672.00 (+246.89%)	$5,388 (-) Land $346 Building $5,042
2024	$482.00 (+87.55%)	$5,388 (+90.25%) Land $346 Building $5,042	$47,270 (+86.47%) Land $3,040 Building $44,230
2023	$257.00 (+4.9%)	$2,832 (+5.01%) Land $339 Building $2,493	$25,350 (+7.14%) Land $3,040 Building $22,310
2022	$245.00	$2,697 Land $346 Building $2,351	$23,660 Land $3,040 Building $20,620

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · 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	1 (1993)
Most Recent Claim	May 1993 · Severe Storms, Tornadoes & Flooding

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	Low lower than 63% of the US · lower than 90% of Oklahoma
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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	YALE serves 1,227 people · EPA ID OK3006039
Water Source	Purchased surface water from LONE CHIMNEY WATER ASSOCIATION
Last State Inspection	Dec 2022
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022 Haloacetic acids resolved · Oct 2020
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	6 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Atlink Services.

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