Payne County property record for 1305 E Cedar Dr, Stillwater, OK 74075
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,150 sqft · built 1962 |
| Lot Size | 0.264 acres (11,536 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $165,000 (Feb 2024) |
| Tax Bill | $1,971 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Apr 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 19N02E-13-1-SC180-002-0011 |
| Primary APN | 19N02E-13-1-SC180-002-0011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,150 sqft Living Area |
| 1st Floor Area | 1,150 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,536 sqft (0.264 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | Deck Area |
| Canopy | 285 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 23806 |
|---|---|
| Street Address | 1305 E CEDAR DR |
| City | STILLWATER |
| State | OK |
| Zip | 74075-7902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR GROVE ADD BLK 2 LOT 11 |
| Legal Range | 02E |
| Legal Township | 19N |
| Legal Section | 13 |
| Legal Subdivision | CEDAR GROVE ADD |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | PAYNE OK |
| Township / Civil Division | STILLWATER |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 10600 |
1305 E Cedar Dr is held in a trust since October 2025.
Source: Payne 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 Trust Names on File |
|---|---|
| Mailing Address | 1102 N LINCOLN ST, STILLWATER, OK 74075-4032 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 9, 2020 | Warranty Deed, Transfer · Commercial Mortgage BANCFIRST |
| Apr 28, 2020 | Loan Modification, Mortgage · Conventional Mortgage UNIVERSITY & CMNTY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2024 · Amount on File |
| Deed Sale | Feb 23, 2024 · Amount on File |
| Prior Sale | Nov 9, 2020 · Amount on File |
| Deed Document Number | 20241453 |
| Deed Book / Page | 2788 / 114 |
| Last Transfer Date | Oct 28, 2025 |
| Transfer Doc | 0000013700 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Nov 9, 2020 |
| Property Address | 1305 E CEDAR DR, STILLWATER, OK 74075-7902 |
| Document Number | 0025960372 |
| Book / Page | 2596 / 372 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 2020-012464 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | AMERICAN EAGLE TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $206.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6421 S BRUSH CREEK RD, STILLWATER, OK 74074-6151 |
| Document Number | 2020012465 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 2020-012465 |
| Name | BANCFIRST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 6, 2030 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PAYNE OK |
| Property Address | 1305 E CEDAR DR, STILLWATER, OK 74075-7902 |
| Document Number | 0025620859 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1305 E CEDAR DR STILLWATER OK 740757902, STILLWATER, OK 74075-7902 |
| Document Number | 0025620859 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 002562/000859 |
| Instrument | 4734 |
| Name | UNIVERSITY & CMNTY FCU |
|---|---|
| Type | Credit Union |
| Address | STILLWATER, OK 74075 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 7, 2045 |
The 2025 property tax bill for 1305 E Cedar Dr was $1,971, up 24% from the year before.
Source: Payne County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Payne County |
| Municipality | Stillwater City |
| Unified School District | Stillwater Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,714 (+26.19%) Land $3,420 Building $16,294 | $172,930 Land $30,000 Building $142,930 | |
| 2025 | $1,971.00 (+24.04%) | $15,623 (-) Land $2,984 Building $12,639 | |
| 2024 | $1,589.00 (+5.23%) | $15,623 (+5%) Land $2,984 Building $12,639 | $157,040 (+8.96%) Land $30,000 Building $127,040 |
| 2023 | $1,510.00 (+5.23%) | $14,879 (+5%) Land $3,097 Building $11,782 | $144,120 (+13.96%) Land $30,000 Building $114,120 |
| 2022 | $1,435.00 | $14,171 Land $3,361 Building $10,810 | $126,460 Land $30,000 Building $96,460 |
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.
FEMA maps place 1305 E Cedar Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 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 risk around 1305 E Cedar Dr is low, with a 0.06% 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 | 0.06% 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 | STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2022 |
| Monitoring and Reporting | None 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 517 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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