19978 E Murrel Rd, Tahlequah, OK 74464 Property Records

Cherokee County property record for 19978 E Murrel Rd, Tahlequah, OK 74464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,822 sqft · built 1997
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jul 2022)
Tax Bill	$3,830 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0000-15-16N-22E-0-064-00`

Property Details

APN / Parcel Number

Primary APN	`0000-15-16N-22E-0-064-00`
Alternative APN	`7277`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,822 sqft Living Area
1st Floor Area	1,822 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2022
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Mixed
Garage Area	2,446 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	420 sqft
Porch	Slab
Porch Area	768 sqft
Patio Area	45 sqft
Putting Green	Putting Green

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7277
Street Address	19978 E MURREL RD
City	TAHLEQUAH
State	OK
Zip	74464-0645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T16N R22E S15 E/2 SE SE SE LESS N264'
Legal Range	22E
Legal Township	16N
Legal Section	15
Jurisdiction	CHEROKEE OK
Township / Civil Division	SOUTH CHEROKEE
Census Block Group	1
Census Block	1005
Census Tract	978301

Owner

19978 E Murrel Rd is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	19978 E MURREL RD, TAHLEQUAH, OK 74464-0645
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
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING INC
Jun 2, 2022	Warranty Deed, Transfer RAINS COUNTY ABSTRACT AND TITLE, GREEN COUNTRY ABSTRACT & TTL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on File
Deed Sale	Jul 21, 2022 · Amount on File
Prior Sale	May 21, 1997 · Amount on File
Deed Document Number	20226322
Deed Book / Page	1356 / 542
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	19978 E MURREL RD, TAHLEQUAH, OK 74464-0645
Transaction Type	Mortgage
Record Updated	Feb 27, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001375/61
Date	Feb 13, 2023
Book Page	1375/61
Instrument	I-2023-000931

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE OK
Recording Date	Jul 21, 2022
Property Address	19978 E MURREL RD, TAHLEQUAH, OK 74464-0645
Document Number	001356/542
Book / Page	1356 / 542
Instrument Date	Jul 20, 2022
Instrument	I-2022-006322
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
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	19978 E MURREL RD, TAHLEQUAH, OK 74464-0645

Mortgage

Document Number	001356/543
Date	Jul 21, 2022
Book Page	1356/543
Instrument	I-2022-006323

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE OK
Recording Date	Jun 2, 2022
Property Address	19978 E MURREL RD, TAHLEQUAH, OK 74464-0645
Document Number	001351/237
Book / Page	1351 / 237
Instrument Date	May 31, 2022
Instrument	I-2022-004652
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	RAINS COUNTY ABSTRACT AND TITLE, GREEN COUNTRY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1450 N OAKKEAF LN, TAHLEQUAH, OK 74464

Tax Assessment & Valuation

The 2025 property tax bill for 19978 E Murrel Rd was $3,830 with a homeowner's exemption.

Source: Cherokee County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Cherokee County
Unified School District	Tahlequah Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,272 (+3%) Land $4,953 Building $38,319	$393,381 (-1.72%) Land $45,028 Building $348,353
2025	$3,830.00 Homeowner's exemption	$42,011 (+3%) Land $4,583 Building $37,428	$400,258 (+2.33%) Land $60,000 Building $340,258
2024	$3,830.00 (+5.66%) Homeowner's exemption	$40,788 (+3%) Land $2,989 Building $37,799	$391,163 (+8.66%) Land $30,000 Building $361,163
2023	$3,625.00 (+197.86%) Homeowner's exemption	$39,600 (+180.55%) Land $1,650 Building $37,950	$360,000 (+98.24%) Land $15,000 Building $345,000
2022	$1,217.00 Homeowner's exemption	$14,115 Land $1,166 Building $12,949	$181,600 Land $15,000 Building $166,600

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 19978 E Murrel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

Source: FEMA National Flood Hazard Layer, effective December 3, 2009 · 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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	May 2022 · Severe Storms, 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 19978 E Murrel Rd is high, ranking above 84% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 69% of Oklahoma
Wildfire Likelihood	1% 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	BURNT CABIN RWD serves 208 people · EPA ID OK1021763
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lake Region Technology & Communications Fiber	2,500 / 2,500

Cell Coverage

5G (outdoors only) and 4G LTE

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