14713 N 440 Rd, Hulbert, OK 74441 Property Records

Cherokee County property record for 14713 N 440 Rd, Hulbert, OK 74441

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,424 sqft · built 1960
Lot Size	10.7 acres (466,092 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Aug 2022 Mortgage Nov 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10032`

Property Details

APN / Parcel Number

Primary APN	`10032`
Alternative APN	`0000-08-17N-21E-0-015-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	466,092 sqft (10.7 acres)
Patio Area	48 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater

Location & Zoning

Account Number	10032
Street Address	14713 N 440 RD
City	HULBERT
State	OK
Zip	74441-4222
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	T17N R21E S08 W/2 NW NW SW & BEG NW/C SW SW E208' TO CTR LINE EX CO RD N2730'E ALNG CTR LINE 540' N2153' E195' W530' S660'
Legal Range	21E
Legal Township	17N
Legal Section	08
Jurisdiction	CHEROKEE OK
Township / Civil Division	HULBERT
Census Block Group	1
Census Block	1018
Census Tract	977702

Owner

Source: Cherokee County records, as of February 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	14713 N 440 RD, HULBERT, OK 74441-4222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage ARMSTRONG BANK
Nov 7, 2018	Deed of Trust, Mortgage · Line of Credit ARMSTRONG BANK
Sep 5, 2018	Deed of Trust, Mortgage · Line of Credit ARMSTRONG BANK
Nov 21, 2018	Affidavit of Death of Joint Tenant, Transfer · Line of Credit ARMSTRONG BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 1, 2023
Transfer Doc	001398/559
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	14713 N 440 RD, HULBERT, OK 74441-4222
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14713 N 440 RD, HULBERT, OK 74441-4222

Mortgage

Document Number	001358/809
Date	Aug 15, 2022
Book Page	1358/809
Instrument	I-2022-006990

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	TAHLEQUAH, OK 74464

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 12, 2032

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	14713 N 440 RD, HULBERT, OK 74441-4222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1225/0099
Date	Nov 7, 2018
Book Page	1225/0099
Instrument	2018-008055

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	TAHLEQUAH, OK 74464

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	70 Months
Due	Sep 4, 2024

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	14713 N 440 RD, HULBERT, OK 74441-4222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1219/0055
Date	Sep 5, 2018
Book Page	1219/0055
Instrument	2018-006369

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	TAHLEQUAH, OK 74464

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Sep 4, 2024

Interest

Rate Type	Adjustable Rate

November 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CHEROKEE OK
Recording Date	Nov 21, 2018
Property Address	14713 N 440 RD, HULBERT, OK 74441-4222
Document Number	01226/0001
Book / Page	1226 / 0001
Instrument Date	Nov 19, 2018
Instrument	2018-008465
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14713 N 440 RD, HULBERT, OK 74441-4222

Mortgage

Document Number	1226/0003
Date	Nov 21, 2018
Book Page	1226/0003
Instrument	2018-008466

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	TAHLEQUAH, OK 74464

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	18 Months
Due	May 20, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cherokee County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Cherokee County
Elementary School District	Shady Grove Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$8,258 (+3.17%) Land $607 Building $7,651	$75,068 (-0.81%) Land $5,515 Building $69,553
2023	Homeowner's exemption	$8,004 Land $1,959 Building $6,045	$75,679 Land $18,525 Building $57,154

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 3, 2009 · 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	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

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

Wildfire Risk	High above 88% of the US · above 79% of Oklahoma
Wildfire Likelihood	1% 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	CHEROKEE CO. RWD #11 serves 3,395 people · EPA ID OK1221637
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lake Region Technology & Communications Fiber	2,500 / 2,500
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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