140 NW Sumner Dr, Elgin, OK 73538 Property Records

Comanche County property record for 140 NW Sumner Dr, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,298 sqft · built 2015
Lot Size	3.21 acres (139,828 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (May 2020)
Tax Bill	$3,052 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03N12W-12-1-99980-000-0000`

Property Details

APN / Parcel Number

Primary APN	`03N12W-12-1-99980-000-0000`
Alternative APNs	`099980-1210002-00028` `160087314` `87314`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,298 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	139,828 sqft (3.21 acres)
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	556 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	87314
Street Address	140 NW SUMNER DR
City	ELGIN
State	OK
Zip	73538-3085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12-3N-12W A TRCT BEG AT A PT 684.938' (N0008'00" E) & 660' (N8952' 00" W) OF SE/C NE/4; THN (N89*52'00" W) 219.335'; THN (N
Legal Range	12W
Legal Township	03N
Legal Section	12
Legal Subdivision	FARM 3N-12W
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHWEST COMANCHE
Census Block Group	2
Census Block	2000
Census Tract	2202

Owner

140 NW Sumner Dr is owned and occupied by two individuals who bought it in May 2020.

Source: Comanche 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 Individual Names on File
Mailing Address	140 NW SUMNER DR, ELGIN, OK 73538-3085
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Aug 15, 2019
Deed Document Number	20206925
Deed Book / Page	8478 / 279
Prior Transfer Date	Aug 5, 2019
Prior Transfer Doc	0000011668
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	May 26, 2020
Property Address	140 NW SUMNER DR, ELGIN, OK 73538-3085
Document Number	008478/279
Book / Page	8478 / 279
Instrument Date	May 22, 2020
Instrument	2020-006925
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	140 NW SUMNER DR, ELGIN, OK 73538-3085

Mortgage

Document Number	2020006926
Date	May 26, 2020
Instrument	2020-006926

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 140 NW Sumner Dr was $3,052.

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		$31,678 (+5%) Land $2,558 Building $29,120	$281,581 (-14.75%) Land $22,735 Building $258,846
2025	$3,052.00	$30,170 (+5.87%) Land $2,558 Building $27,612	$330,311 (+30.41%) Land $22,735 Building $307,576
2024	$3,052.00 (+2.55%)	$28,496 (-) Land $2,558 Building $25,938	$253,294 (-) Land $22,735 Building $230,559
2023	$2,976.00	$28,496 Land $2,558 Building $25,938	$253,294 Land $22,735 Building $230,559

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 140 NW Sumner Dr 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (2015–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · 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

Wildfire risk around 140 NW Sumner Dr is high, ranking above 82% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 82% of the US · above 62% of Oklahoma
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Southwest Oklahoma Telephone Company Cable · Fiber in parts of the area	250 / 250
Rise Broadband Fixed Wireless	100 / 20