20492 E Murrel Rd, Tahlequah, OK 74464 Property Records

Cherokee County property record for 20492 E Murrel Rd, Tahlequah, OK 74464

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,210 sqft · built 1992
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2026)
Tax Bill	$4,505 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0000-14-16N-22E-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0000-14-16N-22E-0-001-00`
Alternative APN	`7184`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,210 sqft Living Area
1st Floor Area	1,580 sqft
2nd Floor Area	630 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Garage Type	Mixed
Garage Area	2,520 sqft

Exterior Amenities

Porch	Slab
Porch Area	942 sqft
Patio Area	360 sqft
Shed	1 Shed
Shed Area	2,400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7184
Street Address	20492 E MURREL RD
City	TAHLEQUAH
State	OK
Zip	74464-0618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T16N R22E S14 BEG NW/C NE NW SE N8943'16" E790.48' S0012'28" W661.25' TO PT ON S LINE OF NW NE SE N89*43'17" W790.418' TO S
Legal Range	22E
Legal Township	16N
Legal Section	14
Jurisdiction	CHEROKEE OK
Township / Civil Division	SOUTH CHEROKEE
Census Block Group	1
Census Block	1001
Census Tract	978301

Owner

20492 E Murrel Rd is owned and occupied by two individuals who bought it in September 2026.

Source: Cherokee County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20030 E 794 RD, TAHLEQUAH, OK 74464-5808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 16, 2026	Warranty Deed, Transfer · VA Mortgage ASSOCIATED MORTGAGE CORPORATION
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Prior Sale	Feb 8, 2021 · Amount on File
Deed Document Number	20266749
Deed Book / Page	1493 / 544
Prior Transfer Date	Nov 5, 2020
Prior Transfer Doc	0000007883
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE OK
Recording Date	Sep 16, 2026
Property Address	20492 E MURREL RD, TAHLEQUAH, OK 74464-0618
Document Number	0000006749
Book / Page	1493 / 544
Instrument Date	Sep 15, 2026
Instrument	20266749
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	INFINITY HM TITLE, INFINITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006750,
Date	Sep 16, 2026
Instrument	20266750

Lender

Name	ASSOCIATED MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE OK
Recording Date	Feb 8, 2021
Property Address	20492 E MURREL RD, TAHLEQUAH, OK 74464-0618
Document Number	001300/546
Book / Page	1300 / 546
Instrument Date	Feb 2, 2021
Instrument	2021-001188
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	TAHLEQUAH ABSTRACT AND TITLE COMPANY, TAHLEQUAH ABSTRACT & TTL CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$723.00
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

Mortgage

Document Number	2021001189
Date	Feb 8, 2021
Instrument	2021-001189

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.62%
Index	1-Year CMT
Margin	3
Max Rate	8.62%

Tax Assessment & Valuation

The 2025 property tax bill for 20492 E Murrel Rd was $4,505 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		$48,348 (-1.81%) Land $10,566 Building $37,782	$439,525 (-1.81%) Land $96,050 Building $343,475
2025	$4,505.00 Homeowner's exemption	$49,240 (-3.17%) Land $10,566 Building $38,674	$447,629 (-3.17%) Land $96,050 Building $351,579
2024	$4,505.00 (-7.78%) Homeowner's exemption	$50,851 (-4.09%) Land $6,600 Building $44,251	$462,275 (-4.09%) Land $60,000 Building $402,275
2023	$4,885.00 (+1.22%) Homeowner's exemption	$53,020 (-) Land $6,215 Building $46,805	$482,000 (-) Land $56,500 Building $425,500
2022	$4,826.00 Homeowner's exemption	$53,020 Land $6,215 Building $46,805	$482,000 Land $56,500 Building $425,500

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 20492 E Murrel Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 20492 E Murrel Rd is high, ranking above 85% 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 85% of the US · above 72% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 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 and 4G LTE (outdoors only)

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