16397 E 115th St N, Owasso, OK 74055 Property Records

Rogers County property record for 16397 E 115th St N, Owasso, OK 74055

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,093 sqft · built 2021
Lot Size	0.583 acres (25,395 sqft)
Owner	2 Individual Names on File
Last Sale	$302,500 (Aug 2021)
Tax Bill	$3,525 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21N14E-11-2-00638-001-0014`

Property Details

APN / Parcel Number

Primary APN	`21N14E-11-2-00638-001-0014`
Alternative APNs	`0098372` `98372`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,093 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	25,395 sqft (0.583 acres)
Garage Area	559 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	98372
Street Address	16397 E 115TH ST N
City	OWASSO
State	OK
Zip	74055-5762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLOCK 1 QUAILBROOK EST PHASE I
Legal Range	14E
Legal Township	21N
Legal Section	11
Legal Subdivision	QUAILBROOK EST
Legal Phase	I
Legal Block	1
Legal Lot Number	14
Jurisdiction	ROGERS OK
Township / Civil Division	CATOOSA
Census Block Group	2
Census Block	2001
Census Tract	50404

Owner

16397 E 115th St N is owned and occupied by two individuals who bought it in August 2021.

Source: Rogers County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16397 E 115TH ST N, OWASSO, OK 74055-5762
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 20, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2021 · Amount on File
Deed Sale	Aug 20, 2021 · Amount on File
Deed Document Number	202115665
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROGERS OK
Property Address	16397 E 115TH ST N, OWASSO, OK 74055-5762
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015248
Date	Nov 1, 2023
Instrument	2023-015248

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 25, 2053

August 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROGERS OK
Recording Date	Aug 20, 2021
Property Address	16397 E 115TH ST N, OWASSO, OK 74055-5762
Document Number	0000015665
Instrument Date	Aug 17, 2021
Instrument	2021-015665
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 3, 2022
Title Company	NOT AVAILABLE, EXECUTIVES T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$453.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	16397 E 115TH ST N, OWASSO, OK 74055-5762

Mortgage

Document Number	0000015666
Date	Aug 20, 2021
Instrument	2021-015666

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 16397 E 115th St N was $3,525 with a homeowner's exemption, up 10.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,066 (+3%) Land $6,619 Building $30,447	$336,967 (-18.72%) Land $60,173 Building $276,794
2025	$3,525.00 (+10.26%)	$35,987 (+5%) Land $6,426 Building $29,561	$414,586 (+8.11%) Land $107,034 Building $307,552
2024	$3,197.00 (+5.72%) Homeowner's exemption	$34,273 (+3%) Land $6,120 Building $28,153	$383,474 (+26.77%) Land $55,638 Building $327,836
2023	$3,024.00 Homeowner's exemption	$33,275 Land $33,275	$302,500 Land $302,500

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 16397 E 115th St N in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1984.

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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	10 (1984–2019)
Claims Outside the SFHA	2 of 10
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 16397 E 115th St N is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 87% of Oklahoma
Wildfire Likelihood	0.09% 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	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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: The Junction Internet.

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