Comanche County property record for 12732 Ridge Rd, Elgin, OK 73538
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,391 sqft · built 2024 |
| Lot Size | 0.579 acres (25,233 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Aug 2023) |
| Tax Bill | $4,408 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04N11W-34-1-94350-007-0006 |
| Primary APN | 04N11W-34-1-94350-007-0006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,391 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 25,233 sqft (0.579 acres) |
| Garage Type | Attached |
| Garage Area | 993 sqft |
| Porch | Slab |
| Porch Area | 457 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 105266 |
|---|---|
| Street Address | 12732 RIDGE RD |
| City | ELGIN |
| State | OK |
| Zip | 73538-2176 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNTAIN VIEW VILLAS PT 2 BLOCK 7 LOT 6 |
| Legal Range | 11W |
| Legal Township | 04N |
| Legal Section | 34 |
| Legal Subdivision | MOUNTAIN VIEW VILLAS PT. 2 |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | COMANCHE OK |
| Township / Civil Division | NORTHWEST COMANCHE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 2201 |
12732 Ridge Rd is owned and occupied by two individuals who bought it in August 2023.
Source: Comanche County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12732 RIDGE RD, ELGIN, OK 73538-2176 |
| 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.
| Date | Document |
|---|---|
| Nov 13, 2023 | Warranty Deed, Transfer · Commercial Mortgage FARM CREDIT OF WESTERN OKLAHOMA PCA |
| Aug 2, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 21, 2021 | Warranty Deed, Construction Loan · Construction Mortgage LIBERTY NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2023 · Amount on File |
| Deed Sale | Aug 2, 2023 · Amount on File |
| Deed Document Number | 202311235 |
| Deed Book / Page | 9378 / 316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COMANCHE OK |
| Recording Date | Nov 13, 2023 |
| Property Address | 12732 RIDGE RD, ELGIN, OK 73538-2176 |
| Document Number | 0009443/64 |
| Book / Page | 9443 / 64 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 2023-016710 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | SOVEREIGN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12732 RIDGE RD, ELGIN, OK 73538-2176 |
| Document Number | 2023016711 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 2023-016711 |
| Name | FARM CREDIT OF WESTERN OKLAHOMA PCA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COMANCHE OK |
| Recording Date | Aug 2, 2023 |
| Property Address | 12732 RIDGE RD, ELGIN, OK 73538-2176 |
| Document Number | 009378/316 |
| Book / Page | 9378 / 316 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023-011235 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | SOVEREIGN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $577.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12732 RIDGE RD, ELGIN, OK 73538-2176 |
| Document Number | 2023011236 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 2023-011236 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COMANCHE OK |
| Recording Date | Dec 21, 2021 |
| Property Address | 12732 RIDGE RD, ELGIN, OK 73538-2176 |
| Document Number | 0008962/87 |
| Book / Page | 8962 / 87 |
| Instrument Date | Dec 21, 2021 |
| Instrument | 2021-023866 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 19, 2023 |
| Title Company | SOVEREIGN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $48.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 156, ELGIN, OK 73538-0156 |
| Document Number | 2021023867 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021-023867 |
| Name | LIBERTY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Dec 20, 2023 |
The 2025 property tax bill for 12732 Ridge Rd was $4,408 with a homeowner's exemption.
Source: Comanche County assessment roll, as of January 20, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Comanche County |
| Unified School District | Elgin Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,909 (+3%) Land $9,397 Building $36,512 | $408,081 (+0.2%) Land $83,531 Building $324,550 | |
| 2025 | $4,408.00 Homeowner's exemption | $44,572 (+3%) Land $6,750 Building $37,822 | $407,276 (+5.88%) Land $60,000 Building $347,276 |
| 2024 | $4,408.00 (+440,7%) Homeowner's exemption | $43,274 (+480,722.22%) Land $6,750 Building $36,524 | $384,657 (+457,825%) Land $60,000 Building $324,657 |
| 2023 | $1.00 | $9 Land $9 | $84 Land $84 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 12732 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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 | 8 in force |
| Nearby Flood Claims | 2 (2015–2025) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
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 risk around 12732 Ridge Rd is high, ranking above 87% of the US, with a 0.9% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 78% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CADDO CO RWD #3 serves 3,900 people · EPA ID OK2000816 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Southwest Oklahoma Telephone Company Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
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