13122 Shadow Rdg Dr, Elgin, OK 73538 Property Records

Comanche County property record for 13122 Shadow Rdg Dr, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,941 sqft · built 2021
Lot Size	0.504 acres (21,957 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Aug 2026)
Tax Bill	$3,738 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04N10W-29-4-95625-000-0003`

Property Details

APN / Parcel Number

Primary APN	`04N10W-29-4-95625-000-0003`
Alternative APN	`104516`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,941 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	21,957 sqft (0.504 acres)
Garage Type	Attached
Garage Area	682 sqft
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	104516
Street Address	13122 SHADOW RIDGE DR
City	ELGIN
State	OK
Zip	73538-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW RIDGE ESTATES EAST LOT 3
Legal Range	10W
Legal Township	04N
Legal Section	29
Legal Subdivision	SHADOW RIDGE ESTATES EAST
Legal Lot Number	3
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHEAST COMANCHE
Census Block Group	2
Census Block	2017
Census Tract	2101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13122 SHADOW RIDGE DR, ELGIN, OK 73538-2061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Jan 9, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2026 · Amount on Record
Deed Sale	Aug 13, 2026 · Amount on Record
Prior Sale	Dec 21, 2021 · Amount on Record
Deed Document Number	202612930
Deed Book / Page	10284 / 40
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COMANCHE OK
Recording Date	Aug 13, 2026
Property Address	13122 SHADOW RIDGE DR, ELGIN, OK 73538-2061
Document Number	0000012930
Book / Page	10284 / 40
Instrument Date	Jul 18, 2026
Instrument	202612930
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NATIONS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$53,782.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000012931,
Date	Aug 13, 2026
Instrument	202612931

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMANCHE OK
Property Address	13122 SHADOW RIDGE DR, ELGIN, OK 73538-2061
Transaction Type	Mortgage
Record Updated	Jan 24, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13122 SHADOW RIDGE DR, ELGIN, OK 73538-2061

Mortgage

Document Number	009479/206
Date	Jan 9, 2024
Book Page	9479/206
Instrument	2024-000418

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Dec 21, 2021
Property Address	13122 SHADOW RIDGE DR, ELGIN, OK 73538-2061
Document Number	008961/165
Book / Page	8961 / 165
Instrument Date	Dec 20, 2021
Instrument	2021-023821
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13122 SHADOW RIDGE DR, ELGIN, OK 73538-2061

Mortgage

Document Number	2021023822
Date	Dec 21, 2021
Instrument	2021-023822

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Comanche County assessment roll, as of January 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Comanche County
Unified School District	Elgin Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,589 (+1.72%) Land $10,125 Building $27,464	$334,121 (+1.06%) Land $90,000 Building $244,121
2025	$3,738.00 (-0.03%)	$36,953 (+5%) Land $5,625 Building $31,328	$330,609 (+5.68%) Land $50,000 Building $280,609
2024	$3,739.00 (+6.58%)	$35,194 (+4.8%) Land $5,625 Building $29,569	$312,832 (+4.8%) Land $50,000 Building $262,832
2023	$3,508.00	$33,582 Land $3,375 Building $30,207	$298,507 Land $30,000 Building $268,507

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 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	7 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	High above 77% of the US · above 49% of Oklahoma
Wildfire Likelihood	0.5% 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	ELGIN PWA serves 3,300 people · EPA ID OK2001610
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	65 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Southwest Oklahoma Telephone Company Fiber · Cable in parts of the area	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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