123 N 10th St, Mcloud, OK 74851 Property Records

Pottawatomie County property record for 123 N 10th St, Mcloud, OK 74851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,059 sqft · built 1970
Lot Size	0.417 acres (18,200 sqft)
Owner	Individual Name on File
Last Sale	$66,500 (Mar 2005)
Tax Bill	$1,175 (2025)
Deeds & Mortgages	Jan 2017 Second Mortgage
Flood Zone	Zone AE (high risk)
APN	`29912`

Property Details

APN / Parcel Number

Primary APN	`29912`
Alternative APNs	`4515-00-003-005-0-000-00` `451500300500000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,059 sqft Living Area
1st Floor Area	1,258 sqft
Storm Shelter	Storm Shelter

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2011
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	18,200 sqft (0.417 acres)
Lot Dimensions	140 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	552 sqft

Exterior Amenities

Porch	Covered Porch
Porch Area	100 sqft
Patio Area	270 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	29912
Old Parcel Number	451500300500000000
Street Address	123 N 10TH ST
City	MCLOUD
State	OK
Zip	74851-8036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRADDOCK BLK 3 LOTS 5 THRU 9
Legal Range	02E
Legal Township	11N
Legal Section	09
Legal Quarter	SW
Legal Subdivision	CRADDOCK
Legal Block	3
Legal Lot Number	5-9 6
Jurisdiction	POTTAWATOMIE OK
Township / Civil Division	SHAWNEE
Census Block Group	1
Census Block	1007
Census Tract	501005

Owner

123 N 10th St is owned and occupied by an individual who acquired it in November 2011.

Source: Pottawatomie County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	123 N 10TH ST, MCLOUD, OK 74851-8036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2005 · Amount on File
Deed Sale	Mar 24, 2005 · Amount on File
Prior Sale	Mar 24, 2005 · Amount on File
Deed Document Number	0000004064
Last Transfer Date	Nov 8, 2011
Transfer Doc	0000016719
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATOMIE OK
Property Address	123 N 10TH ST, MCLOUD, OK 74851-8036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000668
Date	Jan 19, 2017
Instrument	201700000668

Lender

Name	TINKER FCU
Type	Credit Union
Address	OKLAHOMA CITY, OK 73145

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	73 Months
Due	Feb 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 123 N 10th St was $1,175 with a homeowner's exemption, up 2.4% from the year before.

Source: Pottawatomie County assessment roll, as of October 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,175.00 (+2.44%) Homeowner's exemption	$13,916 (+2.99%) Land $697 Building $13,219	$194,839 (-2.23%) Land $22,500 Building $172,339
2024	$1,147.00 (+4.18%) Homeowner's exemption	$13,512 (+3.01%) Land $677 Building $12,835	$199,285 (+82.31%) Land $22,500 Building $176,785
2023	$1,101.00 Homeowner's exemption	$13,117 Land $600 Building $12,517	$109,311 Land $5,000 Building $104,311

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 123 N 10th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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

Wildfire risk around 123 N 10th St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 87% of Oklahoma
Wildfire Likelihood	0.1% 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	MCLOUD serves 2,939 people · EPA ID OK2006301
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	7 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	20 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Vyve Broadband Cable	2,000 / 50
Verizon Fixed Wireless	300 / 20
Atlink Services Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20