20616 E McElroy, Yale, OK 74085 Property Records

Payne County property record for 20616 E McElroy, Yale, OK 74085

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,056 sqft · built 1965
Lot Size	3.75 acres (163,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Aug 2021)
Tax Bill	$3,057 (2023)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19N05E-10-3-00000-000-0501`

Property Details

APN / Parcel Number

Primary APN	`19N05E-10-3-00000-000-0501`
Alternative APNs	`600021341` `21341`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,056 sqft Living Area
1st Floor Area	2,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	163,350 sqft (3.75 acres)
Garage Type	Attached
Garage Area	595 sqft

Exterior Amenities

Porch	Slab
Porch Area	277 sqft
Shed	1 Shed
Shed Area	240 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21341
Street Address	20616 E MCELROY
City	YALE
State	OK
Zip	74085-6462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-19N-05E C-501 (3.75ACM/L) SW/4 SE/4 SE/4 SW/4 & S/2 NW/4 SE/4 SE/4 SW/4
Legal Range	05E
Legal Township	19N
Legal Section	10
Legal Subdivision	19N-05E
Jurisdiction	PAYNE OK
Township / Civil Division	YALE
Census Block Group	1
Census Block	1021
Census Tract	11200

Owner

Source: Payne 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 Individual Names on Record
Mailing Address	20616 E MCELROY, YALE, OK 74085-6462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Mar 16, 2011 · Amount on Record
Deed Document Number	202110999
Deed Book / Page	2650 / 789
Last Transfer Date	Aug 15, 2022
Transfer Doc	0000010170
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Aug 25, 2021
Property Address	20616 E MCELROY, YALE, OK 74085-6462
Document Number	0026500789
Book / Page	2650 / 789
Instrument Date	Aug 24, 2021
Instrument	2021-010999
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	AMERICAN EAGLE TITLE INSURANCE COMPANY, AMERICAN EAGLE TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
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
Address	20616 E MCELROY, YALE, OK 74085-6462

Mortgage

Document Number	2021011000
Date	Aug 25, 2021
Instrument	2021-011000

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Payne County
Unified School District	Yale Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,481 (+6.09%) Land $4,028 Building $32,453	$320,016 (-18.15%) Land $35,336 Building $284,680
2025	Homeowner's exemption	$34,387 (+2.02%) Land $3,050 Building $31,337
2024			$390,960 (+13.52%) Land $34,680 Building $356,280
2023	$3,057.00 (+109.96%)	$33,707 (+110.09%) Land $2,123 Building $31,584	$344,400 (+144.71%) Land $21,700 Building $322,700
2022	$1,456.00	$16,044 Land $2,473 Building $13,571	$140,740 Land $21,700 Building $119,040

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 January 22, 2021 · 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
Nearby Flood Policies	1 in force

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 81% of the US · above 60% of Oklahoma
Wildfire Likelihood	0.8% 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	PAYNE CO RWD #4 serves 820 people · EPA ID OK3006001
Water Source	Purchased surface water from LONE CHIMNEY WATER ASSOCIATION
Last State Inspection	Nov 2022
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023 Haloacetic acids resolved · Jul 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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