1315 E Cedar Dr, Stillwater, OK 74075 Property Records

Payne County property record for 1315 E Cedar Dr, Stillwater, OK 74075

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,104 sqft · built 1962
Lot Size	0.332 acres (14,490 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,406 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19N02E-13-1-SC180-002-0009`

Property Details

APN / Parcel Number

Primary APN	`19N02E-13-1-SC180-002-0009`
Alternative APNs	`600023813` `23813`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Finished Basement	1,104 sqft
Unfinished Basement	1,104 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,490 sqft (0.332 acres)
Lot Dimensions	125 ft deep x 48 ft wide
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	23813
Street Address	1315 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 9
Legal Range	02E
Legal Township	19N
Legal Section	13
Legal Subdivision	CEDAR GROVE ADD
Legal Block	2
Legal Lot Number	9
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	4
Census Block	4026
Census Tract	10600

Owner

1315 E Cedar Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1315 E CEDAR DR, STILLWATER, OK 74075-7902
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	1315 E CEDAR DR, STILLWATER, OK 74075-7902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONS TITLE OF OKC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025750833
Date	Jul 16, 2020
Book Page	2575/833
Instrument	2020-007554

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 1315 E Cedar Dr was $1,406 with a homeowner's exemption, up 2.9% from the year before.

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$15,328 (+6.08%) Land $2,964 Building $12,364	$134,464 Land $26,003 Building $108,461
2025	$1,406.00 (+2.85%) Homeowner's exemption	$14,449 (-) Land $2,838 Building $11,611
2024	$1,367.00 (+3.4%) Homeowner's exemption	$14,449 (+3%) Land $2,838 Building $11,611	$152,700 (+10.01%) Land $30,000 Building $122,700
2023	$1,322.00 (+3.52%) Homeowner's exemption	$14,028 (+3%) Land $3,032 Building $10,996	$138,800 (-3.17%) Land $30,000 Building $108,800
2022	$1,277.00 Homeowner's exemption	$13,619 Land $2,850 Building $10,769	$143,350 Land $30,000 Building $113,350

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

FEMA maps place 1315 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

Wildfire risk around 1315 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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