15475 Gardner Rd, Mounds, OK 74047 Property Records

Okmulgee County property record for 15475 Gardner Rd, Mounds, OK 74047

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 2000
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jun 2022)
Tax Bill	$1,179 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`0000-03-15N-13E-A-012-00`

Property Details

APN / Parcel Number

Primary APN	`0000-03-15N-13E-A-012-00`
Alternative APN	`6917`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
1st Floor Area	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Metal
Lot Area	435,600 sqft (10 acres)
Garage Type	Mixed
Garage Area	1,488 sqft
Carport	Carport
Carport Area	1,200 sqft

Exterior Amenities

Porch	Glass Porch
Porch Area	976 sqft
Deck Area	352 sqft
Patio Area	1,020 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	6917
Street Address	15475 GARDNER RD
City	MOUNDS
State	OK
Zip	74047-5956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3-15-13 E/2 SW SW NE & E/2 NW SW NE
Legal Range	13E
Legal Township	15N
Legal Section	03
Legal Quarter	NE
Legal Subdivision	UNPLTD PT SEC 03 15N 13E
Jurisdiction	OKMULGEE OK
Township / Civil Division	BEGGS
Census Block Group	1
Census Block	1012
Census Tract	601

Owner

Source: Okmulgee County records, as of January 22, 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
Co-owner	Co-owner on Record
Mailing Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Feb 17, 2012	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 29, 2007	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Apr 14, 2005	Deed of Trust, Mortgage · Conventional Mortgage CUTEC MORTGAGE SERVICES
Jun 23, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2022 · Amount on Record
Deed Sale	Jun 23, 2022 · Amount on Record
Deed Document Number	I-2022-004131
Deed Book / Page	2310 / 874
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKMULGEE OK
Property Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	UNKNOWN, FRISCO TITLE COMAPNY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02197/0199
Date	Jan 10, 2018
Book Page	2197/0199
Instrument	2018-000163

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKMULGEE OK
Property Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	ORLANDO TITLE SERVICES LLC, LAND TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002287/416
Date	Sep 3, 2021
Book Page	2287/416
Instrument	2021-005984

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKMULGEE OK
Property Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02042/0554
Date	Feb 17, 2012
Book Page	2042/0554
Instrument	2012-000985

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2042

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKMULGEE OK
Property Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01935/0722
Date	Oct 29, 2007
Book Page	1935/0722
Instrument	2007-008516

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKMULGEE OK
Property Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	ASSURED OH TITLE AGENCY INC, CREDIT UNION TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01849/0737
Date	Apr 14, 2005
Book Page	1849/0737
Instrument	2005-002778

Lender

Name	CUTEC MORTGAGE SERVICES
Address	TULSA, OK 74135

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKMULGEE OK
Recording Date	Jun 23, 2022
Property Address	15475 GARDNER RD, MOUNDS, OK 74047-5956
Document Number	002310/874
Book / Page	2310 / 874
Instrument Date	Jun 21, 2022
Instrument	I-2022-004131
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	APEX TITLE COMPANY, APEX TTL & CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
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	15475 GARDNER RD, MOUNDS, OK 74047-5956

Mortgage

Document Number	I2022004132
Date	Jun 23, 2022
Instrument	I-2022-004132

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Okmulgee County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Oklahoma
County	Okmulgee County
Elementary School District	Twin Hills Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,179.00 Homeowner's exemption	$15,219 (+3%) Land $6,000 Building $9,219	$132,632 (+7.72%) Land $50,000 Building $82,632
2024	$1,179.00 (-69.1%) Homeowner's exemption	$14,776 (-68.43%) Land $6,000 Building $8,776	$123,132 (-68.43%) Land $50,000 Building $73,132
2023	$3,816.00	$46,800 Land $2,040 Building $44,760	$390,000 Land $17,000 Building $373,000

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, effective January 6, 2011

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

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	High above 79% of the US · above 54% of Oklahoma
Wildfire Likelihood	0.7% 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	OKMULGEE CO. RWD #6 (HECTORVILLE) serves 8,370 people · EPA ID OK3005611
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2025 Total trihalomethanes resolved · Jul 2022
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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ecoLink Fiber	1,000 / 1,000

Cell Coverage

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

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