14902 E 109th St N, Owasso, OK 74055 Property Records

Rogers County property record for 14902 E 109th St N, Owasso, OK 74055

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,304 sqft · built 2008
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,000 (May 2021)
Tax Bill	$2,685 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000000-00-0-00448-015-0009`

Property Details

APN / Parcel Number

Primary APN	`000000-00-0-00448-015-0009`
Alternative APNs	`0089028` `89028`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,304 sqft Living Area
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	135 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	118 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	89028
Street Address	14902 E 109TH ST N
City	OWASSO
State	OK
Zip	74055-6086
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE VALLEY II LOT 9 BLOCK 15
Legal Range	14E
Legal Township	21N
Legal Section	10
Legal Subdivision	LAKE VALLEY II
Legal Block	15
Legal Lot Number	9
Jurisdiction	ROGERS OK
Township / Civil Division	CATOOSA
Census Block Group	1
Census Block	1041
Census Tract	50404

Owner

Source: Rogers 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	14902 E 109TH ST N, OWASSO, OK 74055-6086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit OKLAHOMA CENTRAL CU
May 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Prior Sale	Feb 22, 2008 · Amount on Record
Deed Document Number	20219186
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROGERS OK
Property Address	14902 E 109TH ST N, OWASSO, OK 74055-6086
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000322
Date	Jan 9, 2023
Instrument	2023-000322

Lender

Name	OKLAHOMA CENTRAL CU
Type	Credit Union
Address	TULSA, OK 74105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROGERS OK
Recording Date	May 17, 2021
Property Address	14902 E 109TH ST N, OWASSO, OK 74055-6086
Document Number	2021009186
Instrument Date	May 12, 2021
Instrument	2021-009186
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14902 E 109TH ST N, OWASSO, OK 74055-6086

Mortgage

Document Number	2021009187
Date	May 17, 2021
Instrument	2021-009187

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Rogers County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$28,779 (+5%) Land $4,093 Building $24,686	$261,623 (-4.65%) Land $37,206 Building $224,417
2025	$2,685.00 (+7.06%)	$27,408 (+5%) Land $4,005 Building $23,403	$274,380 (-6.51%) Land $37,206 Building $237,174
2024	$2,508.00 (+7.64%)	$26,103 (+5%) Land $3,814 Building $22,289	$293,484 (+29.86%) Land $39,312 Building $254,172
2023	$2,330.00	$24,860 Land $3,711 Building $21,149	$226,000 Land $33,740 Building $192,260

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 February 15, 2023 · 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	8 in force
Nearby Flood Claims	2 (1998)
Most Recent Claim	Oct 1998 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WASHINGTON CO RWD #3 (NEW,#1) serves 25,375 people · EPA ID OK1021418
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, The Junction Internet.

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