128 E St SW, Miami, OK 74354 Property Records

Ottawa County property record for 128 E St SW, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 1920
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Dec 2024)
Tax Bill	$870 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2017 Sale & Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`14037`

Property Details

APN / Parcel Number

Primary APN	`14037`
Alternative APN	`3520-00-108-015-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,210 sqft
Basement Area	1,210 sqft
Unfinished Basement	1,210 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2010
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	14037
Street Address	128 E ST SW
City	MIAMI
State	OK
Zip	74354-6717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15, BLK 108 ORIGINAL PLAT I
Legal Range	22E
Legal Township	28N
Legal Section	25
Legal Subdivision	MIAMI O.P. I
Legal Block	108
Legal Lot Number	15
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2016
Census Tract	574500

Owner

128 E St SW is owned and occupied by two individuals who bought it in December 2024.

Source: Ottawa County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	128 E ST SW, MIAMI, OK 74354-6717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage METHODZ BANK
Jul 28, 2017	Warranty Deed, Transfer · Line of Credit OTTAWA COUNTY ABSTRACT & TIT
Jul 28, 2017	Warranty Deed, Transfer · Line of Credit THE BANK OF WYANDOTTE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2024 · Amount on File
Deed Sale	Dec 4, 2024 · Amount on File
Prior Sale	Jul 28, 2017 · Amount on File
Deed Document Number	20245559
Deed Book / Page	1221 / 641
Prior Transfer Date	Dec 30, 2013
Prior Transfer Doc	0963000333
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	128 E ST SW, MIAMI, OK 74354-6717
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5900 S 540 RD, MIAMI, OK 74354-2504

Mortgage

Document Number	001157/721
Date	Mar 29, 2022
Book Page	1157/721
Instrument	I-2022-001598

Lender

Name	METHODZ BANK
Address	WYANDOTTE, OK 74370

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	125 Months
Due	Aug 5, 2032

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 28, 2017
Property Address	128 E ST SW, MIAMI, OK 74354-6717
Document Number	1053/703
Book / Page	1053 / 703
Instrument Date	Jul 28, 2017
Instrument	2017-003014
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	OTTAWA COUNTY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5900 S 540 RD, MIAMI, OK 74354-2504

Mortgage

Document Number	, 2017-003015
Date	Jul 28, 2017
Instrument	2017-003015

Lender

Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Aug 5, 2032

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 28, 2017
Property Address	128 E ST SW, MIAMI, OK 74354-6717
Document Number	001053/703
Book / Page	1053 / 703
Instrument Date	Jul 28, 2017
Instrument	2017-003014
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	NOT AVAILABLE, OTTAWA COUNTY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5900 S 540 RD, MIAMI, OK 74354-2504

Mortgage

Document Number	2017003015
Date	Jul 28, 2017
Instrument	2017-003015

Lender

Name	THE BANK OF WYANDOTTE
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Aug 5, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 128 E St SW was $870 with a homeowner's exemption, down 1.2% from the year before.

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$10,032 (-) Land $456 Building $9,576	$88,000 (-) Land $4,000 Building $84,000
2025	$870.00 (-1.25%) Homeowner's exemption	$10,032 (+120.29%) Land $456 Building $9,576	$88,000 (+90.77%) Land $4,000 Building $84,000
2024	$881.00 (+113.83%)	$4,554 (+5%) Land $228 Building $4,326	$46,130 (+19.54%) Land $2,000 Building $44,130
2023	$412.00 (+7.85%)	$4,337 (+4.99%) Land $228 Building $4,109	$38,590 (-) Land $2,000 Building $36,590
2022	$382.00	$4,131 Land $228 Building $3,903	$38,590 Land $2,000 Building $36,590

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

Flood

FEMA maps place 128 E St SW in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · 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	3 in force
Nearby Flood Claims	80 (1985–2019)
Claims Outside the SFHA	9 of 80
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2007 · 24 claims Severe Storms And Flooding, Apr 1994 · 16 claims Severe Storms & Flooding, Oct 1986 · 12 claims

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 128 E St SW 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 67% of the US · lower than 92% of Oklahoma
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MIAMI serves 13,704 people · EPA ID OK2005813
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	2 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	2 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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