1908 Carnley St, Stillwater, OK 74075 Property Records

Payne County property record for 1908 Carnley St, Stillwater, OK 74075

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,917 sqft · built 2022
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Trust Names on File
Last Sale	$268,000 (Jul 2026)
Tax Bill	$3,373 (2025)
Deeds & Mortgages	Jul 2026 Sale Jun 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19N02E-12-1-SS444-001-0023`

Property Details

APN / Parcel Number

Primary APN	`19N02E-12-1-SS444-001-0023`
Alternative APNs	`600090184` `90184`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Building Area	1,917 sqft Living Area
1st Floor Area	1,917 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,250 sqft
Garage Type	Attached
Garage Area	416 sqft
Porch	Slab
Porch Area	34 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	90184
Street Address	1908 CARNLEY ST
City	STILLWATER
State	OK
Zip	74075-7939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKYLINE EAST, SEC 2 PHASE 1 BLK 1 LOT 23
Legal Range	02E
Legal Township	19N
Legal Section	12
Legal Subdivision	SKYLNE E SEC 2 PH 1
Legal Phase	1
Legal Block	1
Legal Lot Number	23
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	3
Census Block	3008
Census Tract	10101

Owner

1908 Carnley St is held in a trust since July 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	5707 GRASSINGTON LN, SACRAMENTO, CA 95835-2179
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Jul 29, 2026	Warranty Deed, Transfer OCTS
Jun 1, 2026	Affidavit, Transfer
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST
Apr 13, 2023	Warranty Deed, Transfer · Conventional Mortgage BANCFIRST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2026 · Amount on File
Deed Sale	Jul 29, 2026 · Amount on File
Prior Sale	Apr 13, 2023 · Amount on File
Deed Document Number	20268618
Deed Book / Page	2957 / 548
Prior Transfer Date	May 29, 2026
Prior Transfer Doc	0000005944
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Jul 29, 2026
Property Address	1908 CARNLEY ST, STILLWATER, OK 74075-7939
Document Number	0000008618
Book / Page	2957 / 548
Instrument Date	Jul 28, 2026
Instrument	20268618
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	OCTS

Transaction

Amount	Amount on Record
Tax	$40,602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5707 GRASSINGTON LN, SACRAMENTO, CA 95835-2179

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	PAYNE OK
Recording Date	Jun 1, 2026
Property Address	1908 CARNLEY ST, STILLWATER, OK 74075-7939
Document Number	0000005944
Book / Page	2942 / 251
Instrument Date	May 29, 2026
Instrument	20265944
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	1908 CARNLEY ST, STILLWATER, OK 74075-7939
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	OKLAHOMA SECURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026810691
Date	Feb 14, 2022
Book Page	2681/691
Instrument	I-2022-001642

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	1908 CARNLEY ST, STILLWATER, OK 74075-7939
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10364 E 125TH CIR S, BIXBY, OK 74008-5865

Mortgage

Document Number	0027480867
Date	May 15, 2023
Book Page	2748/867
Instrument	I-2023-004374

Lender

Name	BANCFIRST
Type	Bank
Address	OKLAHOMA CITY, OK 73102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Apr 13, 2023
Property Address	1908 CARNLEY ST, STILLWATER, OK 74075-7939
Document Number	0027440539
Book / Page	2744 / 539
Instrument Date	Apr 12, 2023
Instrument	I-2023-003186
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.50
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	10364 E 125TH CIR S, BIXBY, OK 74008-5865

Mortgage

Document Number	I2023003187
Date	Apr 13, 2023
Instrument	I-2023-003187

Lender

Name	BANCFIRST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1908 Carnley St was $3,373, down 0.6% from the year before.

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		$34,952 (+4.75%) Land $4,560 Building $30,392	$306,600 Land $40,000 Building $266,600
2025	$3,373.00 (-0.59%)	$33,367 (-) Land $3,420 Building $29,947
2024	$3,393.00 (+10.59%)	$33,367 (+10.35%) Land $3,420 Building $29,947	$292,700 (+10.35%) Land $30,000 Building $262,700
2023	$3,068.00 (+5,478.18%)	$30,237 (+5,489.09%) Land $3,420 Building $26,817	$265,240 (+5,484%) Land $30,000 Building $235,240
2022	$55.00	$541 Land $541	$4,750 Land $4,750

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1908 Carnley St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2007 · Severe Storms, Flooding, And Tornadoes

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 1908 Carnley St is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 76% of Oklahoma
Wildfire Likelihood	0.2% 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	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 322 locations within half a mile, as of December 31, 2025

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

May also be available: Centranet.

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