12676 Timber Ridge Ln, Sperry, OK 74073 Property Records

Osage County property record for 12676 Timber Ridge Ln, Sperry, OK 74073

Property Summary

Property Type	Single Family Home
Details	12 bd · 4.5 ba · 3,007 sqft · built 2023
Lot Size	0.502 acres (21,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Dec 2020)
Tax Bill	$11,043 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-22-11-74077`

Property Details

APN / Parcel Number

Primary APN	`35-22-11-74077`
Alternative APN	`74077`

Interior

Bedrooms	12 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,007 sqft Living Area
1st Floor Area	2,406 sqft
Basement Area	1,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,877 sqft (0.502 acres)
Garage Type	Attached
Garage Area	932 sqft
Porch	Slab
Shed	1 Shed
Shed Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	74077
Street Address	12676 TIMBER RIDGE LN
City	SPERRY
State	OK
Zip	74073-4644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE ESTATES AT CROSS TIMBERS LOT 3 BLOCK 3
Legal Range	11E
Legal Township	22N
Legal Section	35
Legal Subdivision	CROSS TIMBERS, THE EST @
Legal Block	3
Legal Lot Number	3
Jurisdiction	OSAGE OK
Township / Civil Division	SOUTHEAST OSAGE
Census Block Group	1
Census Block	1052
Census Tract	940009

Owner

Source: Osage County records, as of September 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	2 Individual Names on Record
Mailing Address	12676 TIMBER RIDGE LN, SPERRY, OK 74073-4644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Dec 31, 2020	Warranty Deed, Transfer FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Prior Sale	Nov 7, 2018 · Amount on Record
Deed Document Number	20209151
Deed Book / Page	1780 / 960
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE OK
Property Address	12676 TIMBER RIDGE LN, SPERRY, OK 74073-4644
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001891/769
Date	Sep 11, 2023
Book Page	1891/769
Instrument	I-2023-006182

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE OK
Property Address	12676 TIMBER RIDGE LN, SPERRY, OK 74073-4644
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12676 TIMBER RIDGE LN, SPERRY, OK 74073-4644

Mortgage

Document Number	001874/540
Date	Mar 28, 2023
Book Page	1874/540
Instrument	I-2023-001959

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Apr 1, 2028
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	10.6%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSAGE OK
Recording Date	Dec 31, 2020
Property Address	12676 TIMBER RIDGE LN, SPERRY, OK 74073-4644
Document Number	001780/960
Book / Page	1780 / 960
Instrument Date	Dec 28, 2020
Instrument	2020-009151
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1932 FARMERS CREEK DR, RICHMOND, TX 77406-6987

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,101 (-) Land $14,400 Building $85,701	$834,175 (-) Land $120,000 Building $714,175
2025	$11,043.00 (+595.4%) Homeowner's exemption	$100,101 (+595.15%) Land $14,400 Building $85,701	$834,175 (+595.15%) Land $120,000 Building $714,175
2023	$1,588.00 (+0.63%)	$14,400 (-) Land $14,400	$120,000 (-) Land $120,000
2022	$1,578.00	$14,400 Land $14,400	$120,000 Land $120,000

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

Source: FEMA National Flood Hazard Layer, effective June 20, 2017 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

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	Moderate above 67% of the US · lower than 70% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wake Wireless Fixed Wireless	500 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Cox Communications.

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