Comanche County property record for 12808 Ridge Rd, Elgin, OK 73538
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,866 sqft · built 2023 |
| Lot Size | 0.78 acres (33,980 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (May 2025) |
| Tax Bill | $1 (2023) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Dec 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04N11W-34-1-94350-006-0009 |
| Primary APN | 04N11W-34-1-94350-006-0009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,866 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 33,980 sqft (0.78 acres) |
| Garage Type | Attached |
| Garage Area | 858 sqft |
| Porch | Slab |
| Porch Area | 428 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 105259 |
|---|---|
| Street Address | 12808 RIDGE RD |
| City | ELGIN |
| State | OK |
| Zip | 73538-2172 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNTAIN VIEW VILLAS PT 2 BLOCK 6 LOT 9 |
| Legal Range | 11W |
| Legal Township | 04N |
| Legal Section | 34 |
| Legal Subdivision | MOUNTAIN VIEW VILLAS PT. 2 |
| Legal Block | 6 |
| Legal Lot Number | 9 |
| Jurisdiction | COMANCHE OK |
| Township / Civil Division | NORTHWEST COMANCHE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 2201 |
12808 Ridge Rd is owned and occupied by two individuals who bought it in May 2025.
Source: Comanche County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12808 RIDGE RD, ELGIN, OK 73538-2172 |
| 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.
| Date | Document |
|---|---|
| Dec 4, 2023 | Warranty Deed, Transfer · VA Mortgage PRIMELENDING |
| Dec 4, 2023 | Correction Deed SOVEREIGN TITLE SERVICES |
| May 31, 2022 | Deed of Trust, Mortgage · Construction Mortgage ALL AMERICA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2025 · Amount on File |
| Deed Sale | May 9, 2025 · Amount on File |
| Prior Sale | May 16, 2023 · Amount on File |
| Deed Document Number | 20257099 |
| Deed Book / Page | 9855 / 1 |
| Prior Transfer Date | Nov 28, 2023 |
| Prior Transfer Doc | 009456/124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COMANCHE OK |
| Recording Date | Dec 4, 2023 |
| Property Address | 12808 RIDGE RD, ELGIN, OK 73538-2172 |
| Document Number | 009456/128 |
| Book / Page | 9456 / 128 |
| Instrument Date | Nov 28, 2023 |
| Instrument | 2023-017660 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Title Company | SOVEREIGN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $482.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12808 RIDGE RD, ELGIN, OK 73538-2172 |
| Document Number | 2023017661 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 2023-017661 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | COMANCHE OK |
| Recording Date | Dec 4, 2023 |
| Property Address | 12808 RIDGE RD, ELGIN, OK 73538-2172 |
| Document Number | 009456/124 |
| Book / Page | 9456 / 124 |
| Instrument Date | Nov 28, 2023 |
| Instrument | 2023-017659 |
| Record Updated | Dec 19, 2023 |
| Title Company | SOVEREIGN TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 BECKLEY PL, BOYNTON BEACH, FL 33426-7601 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COMANCHE OK |
| Property Address | 12808 RIDGE RD, ELGIN, OK 73538-2172 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 009088/128 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 9088/128 |
| Instrument | 2022-009437 |
| Name | ALL AMERICA BANK |
|---|---|
| Type | Bank |
| Address | MEDICINE PARK, OK 73557 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 17, 2023 |
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 | $39,838 (+7.72%) Land $10,125 Building $29,713 | $354,116 (+5.08%) Land $90,000 Building $264,116 | |
| 2025 | Homeowner's exemption | $36,982 Land $6,750 Building $30,232 | $336,986 Land $60,000 Building $276,986 |
| 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 12808 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 12808 Ridge Rd is high, ranking above 85% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 85% of the US · above 72% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.8% 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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