20589 Ash St, Spiro, OK 74959 Property Records

Le Flore County property record for 20589 Ash St, Spiro, OK 74959

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 2006
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Company Names on Record
Last Sale	$270,000 (Oct 2025)
Tax Bill	$2,110 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16362`

Property Details

APN / Parcel Number

Primary APN	`16362`
Alternative APN	`0000-26-09N-25E-0-040-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Attached
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	308 sqft
Patio Area	130 sqft
Shed	1 Shed
Shed Area	80 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16362
Street Address	20589 ASH ST
City	SPIRO
State	OK
Zip	74959-3725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 26 TWP 9N RNG 25E SE NE NE SE B1760 P532 B1900 P727 B1902 P467 B1902 P928 B1914 P812
Legal Range	25E
Legal Township	09N
Legal Section	26
Jurisdiction	LE FLORE OK
Township / Civil Division	SPIRO
Census Block Group	2
Census Block	2059
Census Tract	40303

Owner

Source: Le Flore 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 Company Names on Record
Mailing Address	20589 ASH ST, SPIRO, OK 74959-3725
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Oct 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Oct 2, 2025	Warranty Deed, Transfer · FHA Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Deed Document Number	20257151
Deed Book / Page	2324 / 587
Last Transfer Date	Oct 3, 2025
Transfer Doc	0000007177
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LE FLORE OK
Property Address	20589 ASH ST, SPIRO, OK 74959-3725
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	ADAMS ABSTRACT COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021500787
Date	Jul 7, 2021
Book Page	2150/787
Instrument	6060

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LE FLORE OK
Property Address	20589 ASH ST, SPIRO, OK 74959-3725
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023240609
Date	Oct 2, 2025
Book Page	2324/609
Instrument	7153

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LE FLORE OK
Recording Date	Oct 2, 2025
Property Address	20589 ASH ST, SPIRO, OK 74959-3725
Document Number	0023240587
Book / Page	2324 / 587
Instrument Date	Oct 1, 2025
Instrument	7151
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	SCA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Full Amount Stated
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	20589 ASH ST, SPIRO, OK 74959-3725
Investor	Possibly a Property Investor

Mortgage

Document Number	0023240590
Date	Oct 2, 2025
Book Page	2324/590
Instrument	7152

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	ALLEN, TX 75013

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Le Flore County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Le Flore County
Unified School District	Spiro Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,699 (+19.87%) Land $3,506 Building $26,193	$270,000 (+16.85%) Land $31,875 Building $238,125
2025	$2,110.00 (+2.28%) Homeowner's exemption	$24,777 (-) Land $1,835 Building $22,942	$231,065 (-5.86%) Land $22,500 Building $208,565
2024	$2,063.00 (+18.77%) Homeowner's exemption	$24,777 (+23.27%) Land $1,366 Building $23,411	$245,460 (+29.95%) Land $12,420 Building $233,040
2023	$1,737.00 Homeowner's exemption	$20,100 Land $1,366 Building $18,734	$188,893 Land $12,420 Building $176,473

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 August 16, 2012 · 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 Policies	7 in force
Nearby Flood Claims	4 (2015–2016)
Most Recent Claim	May 2016 · other causes

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	High above 80% of the US · above 57% of Oklahoma
Wildfire Likelihood	0.7% 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	LEFLORE CO. RWD #14 serves 9,077 people · EPA ID OK3004001
Water Source	Purchased surface water from POTEAU VALLEY IMPROVEMENT AUTHORITY
Last State Inspection	Dec 2022
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Jan 2023
Treatment and Procedure	None last 10 years
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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Circle B Wireless Fixed Wireless	400 / 100
Starlink Satellite	280 / 30
360 Broadband Fixed Wireless	100 / 25

May also be available: AT&T.

Nearby Properties on Ash St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures