20119 E Willis Rd, Tahlequah, OK 74464 Property Records

Cherokee County property record for 20119 E Willis Rd, Tahlequah, OK 74464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,932 sqft · built 1978
Lot Size	19.9 acres (870,764 sqft)
Owner	Trust Name on File
Last Sale	$1,200,000 (Oct 2025)
Tax Bill	$2,629 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Apr 2018 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`0000-14-16N-22E-0-007-00`

Property Details

APN / Parcel Number

Primary APN	`0000-14-16N-22E-0-007-00`
Alternative APN	`7190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,932 sqft Living Area
1st Floor Area	1,200 sqft
2nd Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2018
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	870,764 sqft (19.9 acres)
Garage Type	Attached
Garage Area	1,296 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	420 sqft
Porch	Slab
Porch Area	440 sqft
Patio Area	200 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7190
Street Address	20119 E WILLIS RD
City	TAHLEQUAH
State	OK
Zip	74464-0554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T16N R22E S14 E/2 NW NW LESS BEG NW/C E/2 NW NW S8941'02" E175.23' S018'58" W506.71' TO POB S8642'08" E66' S317'52" W67'
Legal Range	22E
Legal Township	16N
Legal Section	14
Jurisdiction	CHEROKEE OK
Township / Civil Division	SOUTH CHEROKEE
Census Block Group	1
Census Block	1004
Census Tract	978301

Owner

20119 E Willis Rd is owner-occupied and held in a trust since October 2025.

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

Owner of Record	Trust Name on File
Mailing Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Jan 6, 2022	Deed of Trust, Mortgage · Line of Credit CS BANK
Aug 8, 2025	Deed of Trust, Mortgage · Closed-End Mortgage BANK 7
Oct 20, 2025	Warranty Deed, Transfer · Conventional Mortgage LEGACY NATIONAL BANK
Jan 21, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Sep 19, 2006 · Amount on File
Deed Document Number	20257512
Deed Book / Page	1460 / 315
Prior Transfer Date	Sep 13, 2006
Prior Transfer Doc	000873/216
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01222/0195
Date	Oct 10, 2018
Book Page	1222/0195
Instrument	2018-007241

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 27, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01207/0525
Date	Apr 30, 2018
Book Page	1207/0525
Instrument	2018-003065

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 16, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001277/141
Date	Jul 7, 2020
Book Page	1277/141
Instrument	2020-004408

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01260/0394
Date	Dec 26, 2019
Book Page	1260/0394
Instrument	2019-008734

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554

Mortgage

Document Number	001336/797
Date	Jan 6, 2022
Book Page	1336/797
Instrument	I-2022-000136

Lender

Name	CS BANK
Type	Bank
Address	MUSTANG, OK 73064

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Dec 14, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	UNKNOWN, LEGACY TITLE OF OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554

Mortgage

Document Number	001452/762
Date	Aug 8, 2025
Book Page	1452/762
Instrument	I-2025-005517

Lender

Name	BANK 7
Type	Bank
Address	MUSTANG, OK 73064

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jul 18, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE OK
Recording Date	Oct 20, 2025
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Document Number	001460/315
Book / Page	1460 / 315
Instrument Date	Oct 10, 2025
Instrument	I-2025-007512
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	RAINS COUNTY ABSTRACT AND TITLE, GREEN COUNTRY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554

Mortgage

Document Number	I2025007513
Date	Oct 20, 2025
Instrument	I-2025-007513

Lender

Name	LEGACY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	62 Months
Due	Dec 14, 2030

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHEROKEE OK
Recording Date	Jan 21, 2020
Property Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554
Document Number	01262/0476
Book / Page	1262 / 0476
Instrument Date	Nov 12, 2019
Instrument	2020-000441
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20119 E WILLIS RD, TAHLEQUAH, OK 74464-0554

Tax Assessment & Valuation

The 2025 property tax bill for 20119 E Willis Rd was $2,629 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		$49,174 (+74.66%) Land $7,971 Building $41,203	$447,039 (+56.59%) Land $72,465 Building $374,574
2025	$2,629.00	$28,154 (+5%) Land $7,563 Building $20,591	$285,489 (-1.91%) Land $79,960 Building $205,529
2024	$2,629.00 (+9.63%)	$26,814 (+5%) Land $7,203 Building $19,611	$291,042 (+7.12%) Land $79,960 Building $211,082
2023	$2,398.00 (+6.25%)	$25,537 (+5%) Land $5,992 Building $19,545	$271,691 (-) Land $72,465 Building $199,226
2022	$2,257.00	$24,321 Land $5,439 Building $18,882	$271,691 Land $72,465 Building $199,226

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 20119 E Willis 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 20119 E Willis Rd is high, ranking above 83% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 83% of the US · above 66% of Oklahoma
Wildfire Likelihood	0.9% 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 35 locations within half a mile, as of December 31, 2025

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

May also be available: Longview Cable Television Company.

Cell Coverage

5G and 4G LTE (outdoors only)

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