1820 E Central Ave, Miami, OK 74354 Property Records

Ottawa County property record for 1820 E Central Ave, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,650 sqft · built 1977
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Oct 1997)
Tax Bill	$2,297 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`19315`

Property Details

APN / Parcel Number

Primary APN	`19315`
Alternative APN	`5350-29-028-023-0-022-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,650 sqft Living Area
1st Floor Area	2,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2004
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	560 sqft
Patio Area	95 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19315
Street Address	1820 E CENTRAL AVE
City	MIAMI
State	OK
Zip	74354-5301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 23.83' S & N 8926' E502.86' FROM NW COR SW SW, TH S0003' E306.19' S8924' W150' N0003' W306.25' N89*26' E150' TO BEG (
Legal Range	23E
Legal Township	28N
Legal Section	29
Legal Subdivision	MIAMI MISC. I
Legal Block	28
Legal Lot Number	23
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2000
Census Tract	574600

Owner

Source: Ottawa 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	1820 E CENTRAL AVE, MIAMI, OK 74354-5301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 1997 · Amount on Record
Deed Sale	Oct 27, 1997 · Amount on Record
Deed Book / Page	615 / 144
Last Transfer Date	Mar 26, 2026
Transfer Doc	0000001396
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jun 29, 2023
Property Address	1820 E CENTRAL AVE, MIAMI, OK 74354-5301
Document Number	001186/279
Book / Page	1186 / 279
Instrument Date	Jun 28, 2023
Instrument	I-2023-002925
Transaction Type	Transfer
Record Updated	Jul 17, 2023
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
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	1820 E CENTRAL AVE, MIAMI, OK 74354-5301

Mortgage

Document Number	I2023002926
Date	Jun 29, 2023
Instrument	I-2023-002926

Lender

Name	BANCFIRST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$25,028 (+0.79%) Land $2,025 Building $23,003	$219,551 (+0.79%) Land $17,763 Building $201,788
2025	$2,297.00 (-1.2%) Homeowner's exemption	$24,832 (-4.46%) Land $2,025 Building $22,807	$217,825 (-4.46%) Land $17,763 Building $200,062
2024	$2,325.00 (+81.22%) Homeowner's exemption	$25,992 (+92.25%) Land $2,025 Building $23,967	$228,000 (+37.22%) Land $17,763 Building $210,237
2023	$1,283.00 (+16.85%)	$13,520 (+4.99%) Land $466 Building $13,054	$166,157 (-) Land $5,100 Building $161,057
2022	$1,098.00 Homeowner's exemption	$12,877 Land $453 Building $12,424	$166,157 Land $5,100 Building $161,057

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 September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	85 (1986–2019)
Claims Outside the SFHA	5 of 85
Most Recent Claim	Jun 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2019 · 8 claims Severe Storms, Flooding, And Tornadoes, Jul 2007 · 53 claims Severe Storms And Flooding, Apr 1994 · 8 claims

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 93% of the US · lower than 95% of Oklahoma
Wildfire Likelihood	0.03% 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	MIAMI serves 13,704 people · EPA ID OK2005813
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	2 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	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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
The Junction Internet Fixed Wireless	100 / 20

May also be available: T-Mobile.

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