1903 E 3rd Ave, Stillwater, OK 74074 Property Records

Payne County property record for 1903 E 3rd Ave, Stillwater, OK 74074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1979
Lot Size	0.258 acres (11,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (May 2009)
Tax Bill	$1,579 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19N02E-13-2-SF010-000-0006A`

Property Details

APN / Parcel Number

Primary APN	`19N02E-13-2-SF010-000-0006A`
Alternative APNs	`600022161` `22161`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,276 sqft (0.258 acres)
Lot Dimensions	122 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	525 sqft

Exterior Amenities

Porch	Slab
Porch Area	218 sqft
Deck Area	80 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	200 sqft
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	22161
Street Address	1903 E 3RD AVE
City	STILLWATER
State	OK
Zip	74074-3915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRLAWN HTS SUB PRT LOTS 5-6 BEG 25'S & 60'W NE/C LOT 5; W-80' S-122.5' E-80' N-116' POB
Legal Range	02E
Legal Township	19N
Legal Section	13
Legal Subdivision	FAIRLAWN HTS SUB
Legal Lot Number	5,6
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	4
Census Block	4021
Census Tract	10600

Owner

Source: Payne 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	1903 E 3RD AVE, STILLWATER, OK 74074-3915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2009 · Amount on Record
Deed Sale	May 12, 2009 · Amount on Record
Prior Sale	Jun 2, 2005 · Amount on Record
Deed Document Number	20095586
Deed Book / Page	1831 / 876
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	1903 E 3RD AVE, STILLWATER, OK 74074-3915
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026740132
Date	Jan 11, 2022
Book Page	2674/132
Instrument	I-2022-000382

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,090 (+6.09%) Land $1,820 Building $15,270	$149,918 (-17.87%) Land $15,970 Building $133,948
2025	$1,579.00 (+2.8%) Homeowner's exemption	$16,109 (-) Land $1,765 Building $14,344
2024	$1,536.00 (+3.36%) Homeowner's exemption	$16,109 (+3%) Land $1,765 Building $14,344	$182,530 (+4.34%) Land $20,000 Building $162,530
2023	$1,486.00 (+3.48%) Homeowner's exemption	$15,640 (+3%) Land $1,788 Building $13,852	$174,940 (+11.06%) Land $20,000 Building $154,940
2022	$1,436.00 Homeowner's exemption	$15,185 Land $1,927 Building $13,258	$157,520 Land $20,000 Building $137,520

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 January 22, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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	Moderate above 51% of the US · lower than 85% 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	STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Oct 2022
Monitoring and Reporting	None 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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20