181094 N 2976 Rd, Loco, OK 73442 Property Records

Stephens County property record for 181094 N 2976 Rd, Loco, OK 73442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,415 sqft · built 2015
Lot Size	5.19 acres (226,076 sqft)
Owner	Individual Name on Record
Tax Bill	$2,587 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2013 Sale
Flood Zone	Zone X (minimal risk)
APN	`38121`

Property Details

APN / Parcel Number

Primary APN	`38121`
Alternative APN	`0000-14-02S-05W-1-004-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,415 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	226,076 sqft (5.19 acres)
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38121
Street Address	181094 N 2976 RD
City	LOCO
State	OK
Zip	73442-1710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-2S-5W TR BEG NW/C SWNWNE N893314E895.35 S000229W254.22 S882936W452.78 N553503W60.47 S845504W86.94 S792349W311.55 N000229E2
Legal Range	05W
Legal Township	02S
Legal Section	14
Legal Subdivision	T2S-R5W
Legal Block	2S
Legal Lot Number	5W
Jurisdiction	STEPHENS OK
Township / Civil Division	VELMA-ALMA
Census Block Group	2
Census Block	2044
Census Tract	1000

Owner

Source: Stephens 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	PO BOX 22, VELMA, OK 73491-0022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANCFIRST
Dec 18, 2013	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	181094 N 2976 RD, LOCO, OK 73442-1710
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181094 N 2976 RD, LOCO, OK 73442-1710

Mortgage

Document Number	006349/151
Date	Jun 7, 2023
Book Page	6349/151
Instrument	I-2023-005261

Lender

Name	BANCFIRST
Type	Bank
Address	DUNCAN, OK 73534

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2033

December 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Dec 18, 2013
Property Address	181094 N 2976 RD, LOCO, OK 73442-1710
Document Number	004660/193
Book / Page	4660 / 193
Instrument Date	Nov 26, 2013
Instrument	2013-886069
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Stephens County
Unified School District	Velma-Alma Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$35,038 (%) Land $1,077 Building $33,961	$318,532 (-11.48%) Land $9,790 Building $308,742
2025	$2,587.00 (+3.07%) Homeowner's exemption	$35,039 (+6.09%) Land $1,077 Building $33,962	$359,839 (-7.15%) Land $9,790 Building $350,049
2024	$2,510.00 (+16.85%) Homeowner's exemption	$33,027 (+11.08%) Land $1,077 Building $31,950	$387,552 (+23.44%) Land $9,790 Building $377,762
2023	$2,148.00 Homeowner's exemption	$29,732 Land $1,077 Building $28,655	$313,960 Land $9,790 Building $304,170

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 September 29, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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 53% of Oklahoma
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pioneer Telephone Cooperative Fiber	1,000 / 1,000

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