1520 E 3rd St, Elk City, OK 73644 Property Records

Beckham County property record for 1520 E 3rd St, Elk City, OK 73644

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1950
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Mar 2023)
Tax Bill	$1,050 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Mar 2023 Sale & Mortgage
APN	`12123`

Property Details

APN / Parcel Number

Primary APN	`12123`
Alternative APN	`0425-23-011-021-0-020-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Porch	Slab
Porch Area	90 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Account Number	12123
Street Address	1520 E 3RD ST
City	ELK CITY
State	OK
Zip	73644-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23-11-21 C.T. BEG 595' E OF NE COR BLK J DAVIS ADD S226' E97' N123' E10' N10 W10' N93' W97' TO POB
Legal Range	21W
Legal Township	11N
Legal Section	23
Legal Subdivision	CITY TRACTS
Legal Block	J
Legal Lot Number	21
Jurisdiction	BECKHAM OK
Township / Civil Division	ELK CITY
Census Block Group	1
Census Block	1045
Census Tract	966100

Owner

Source: Beckham 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	Individual Name on Record
Mailing Address	1520 E 3RD ST, ELK CITY, OK 73644-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL CONCEPTS MORTGAGE LLC
Mar 28, 2023	Warranty Deed, Transfer · FHA Mortgage FINANCIAL CONCEPTS MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2023 · Amount on Record
Deed Sale	Mar 28, 2023 · Amount on Record
Prior Sale	Jan 22, 2019 · Amount on Record
Deed Document Number	20231181
Deed Book / Page	2402 / 385
Prior Transfer Date	Oct 25, 2018
Prior Transfer Doc	0000004615
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKHAM OK
Property Address	1520 E 3RD ST, ELK CITY, OK 73644-3712
Transaction Type	Mortgage
Record Updated	Apr 11, 2023
Title Company	SMITH TITLE AND CLOSING LLC, SMITH TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002402/573
Date	Mar 30, 2023
Book Page	2402/573
Instrument	I-2023-001218

Lender

Name	FINANCIAL CONCEPTS MORTGAGE LLC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BECKHAM OK
Recording Date	Mar 28, 2023
Property Address	1520 E 3RD ST, ELK CITY, OK 73644-3712
Document Number	002402/385
Book / Page	2402 / 385
Instrument Date	Mar 27, 2023
Instrument	I-2023-001181
Transaction Type	Transfer
Record Updated	Apr 10, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$178.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 E 3RD ST, ELK CITY, OK 73644-3712

Mortgage

Document Number	I2023001182
Date	Mar 28, 2023
Instrument	I-2023-001182

Lender

Name	FINANCIAL CONCEPTS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	002402/398
Date	Mar 28, 2023
Book Page	2402/398
Instrument	I-2023-001183

Lender

Name	FINANCIAL CONCEPTS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Beckham County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$12,533 (+4.98%) Land $1,010 Building $11,523	$104,448 (+5%) Land $8,417 Building $96,031
2025	$1,050.00 (+311.76%)	$11,938 (+333.95%) Land $1,323 Building $10,615
2024			$99,475 (+75.1%) Land $11,024 Building $88,451
2023	$255.00	$2,751 Land $533 Building $2,218	$56,810 Land $11,024 Building $45,786

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 55% of the US · lower than 82% of Oklahoma
Wildfire Likelihood	0.1% 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	ELK CITY serves 10,510 people · EPA ID OK2000501
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Plains Internet Fixed Wireless	100 / 20

May also be available: Hudson Technology Solutions.

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