12304 E 91st St N, Owasso, OK 74055 Property Records

Tulsa County property record for 12304 E 91st St N, Owasso, OK 74055

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,019 sqft · built 2018
Lot Size	0.212 acres (9,278 sqft)
Owner	Individual Name on File
Tax Bill	$3,454 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Sep 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`61143-14-20-02460`

Property Details

APN / Parcel Number

Primary APN	`61143-14-20-02460`
Alternative APN	`R61143142002460`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,019 sqft Living Area
Laundry Room	Laundry Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,278 sqft (0.212 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Porch
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R61143142002460
Street Address	12304 E 91ST ST N
City	OWASSO
State	OK
Zip	74055-2374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	LT 5 BLK 3
Legal Range	14E
Legal Township	21N
Legal Section	20
Legal Subdivision	LAKERIDGE THIRD ADDN
Legal Block	3
Legal Lot Number	5
Jurisdiction	TULSA OK
Township / Civil Division	TULSA
Census Block Group	1
Census Block	1000
Census Tract	5805

Owner

12304 E 91st St N is owned and occupied by an individual who acquired it in March 2020.

Source: Tulsa County records, as of January 14, 2026

Owner of Record	Individual Name on File
Mailing Address	12304 E 91ST ST N, OWASSO, OK 74055-2374
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 21, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage RCB BANK
Sep 14, 2019	Loan Modification, Mortgage SPIRITBANK
Mar 14, 2019	Loan Modification, Mortgage SPIRITBANK
Mar 20, 2018	Warranty Deed, Construction Loan · Construction Mortgage SPIRITBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2020
Deed Sale	Mar 23, 2020
Prior Sale	Mar 20, 2018 · Amount on File
Deed Document Number	2020005497
Prior Transfer Date	Jan 21, 2020
Prior Transfer Doc	2020005497
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	TULSA OK
Recording Date	Jan 21, 2020
Property Address	12304 E 91ST ST N, OWASSO, OK 74055-2374
Document Number	0000005497
Map Reference	PL 4759
Instrument Date	Jan 16, 2020
Instrument	2020005497
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 14, 2022
Title Company	MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12304 E 91ST ST N, OWASSO, OK 74055-2374

Mortgage

Document Number	0000005503
Date	Jan 21, 2020
Instrument	2020005503

Lender

Name	RCB BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TULSA OK
Property Address	12304 E 91ST ST N, OWASSO, OK 74055-2374
Document Number	0000102359
Instrument Date	Sep 14, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7802 N HARVARD AVE SPERRY OK 740734904, SPERRY, OK 74073-4904

Mortgage

Document Number	0000102359
Date	Oct 31, 2019
Instrument	102359

Lender

Name	SPIRITBANK
Type	Bank
Address	TULSA, OK 74133

Agreement

Term	12 Months
Due	Oct 30, 2020

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TULSA OK
Property Address	12304 E 91ST ST N, OWASSO, OK 74055-2374
Document Number	0000034048
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	May 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7802 N HARVARD AVE SPERRY OK 740734904, SPERRY, OK 74073-4904

Mortgage

Document Number	0000034048
Date	Apr 24, 2019
Instrument	34048

Lender

Name	SPIRITBANK
Type	Bank
Address	TULSA, OK 74133

Agreement

Term	12 Months
Due	Apr 23, 2020

March 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	TULSA OK
Recording Date	Mar 20, 2018
Property Address	12304 E 91ST ST N, OWASSO, OK 74055-2374
Document Number	0000023826
Instrument Date	Aug 30, 2017
Instrument	2018023826
Transaction Type	Construction Loan
Record Updated	Mar 14, 2022
Title Company	MULTIPLE

Transaction

Amount	Amount on Record
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2071, OWASSO, OK 74055-8871
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023827
Date	Mar 20, 2018
Instrument	2018023827

Lender

Name	SPIRITBANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 14, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 12304 E 91st St N was $3,454 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,454.00 Homeowner's exemption	$31,611 Land $2,666 Building $28,945	$296,461 Land $25,000 Building $271,461
2023	$3,109.00 (-0.51%)	$28,458 (-0.5%) Land $2,340 Building $26,118	$304,033 (+16.94%) Land $25,000 Building $279,033
2022	$3,125.00	$28,600 Land $2,750 Building $25,850	$260,000 Land $25,000 Building $235,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12304 E 91st St N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026

FEMA Flood Zone	Zone X minimal risk
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 12304 E 91st St N 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 94% of the US · lower than 95% of Oklahoma
Wildfire Likelihood	0.02% 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	OWASSO serves 23,000 people · EPA ID OK3007218
Water Source	Purchased surface water from TULSA
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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