20655 E Memorial Rd, Luther, OK 73054 Property Records

Oklahoma County property record for 20655 E Memorial Rd, Luther, OK 73054

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,473 sqft · built 2021
Lot Size	91.9 acres (4,005,778 sqft)
Owner	2 Owner Names on Record
Last Sale	$347,500 (Oct 2014)
Tax Bill	$5,060 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-858-3650`

Property Details

APN / Parcel Number

Primary APN	`16-858-3650`
Alternative APNs	`3042-16-858-3650` `R168583650`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,473 sqft Living Area
1st Floor Area	3,078 sqft
Laundry Room	Laundry Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,005,778 sqft (91.9 acres)
Terrain	Other
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R168583650
Street Address	20655 E MEMORIAL RD
City	LUTHER
State	OK
Zip	73054-9257
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DEWEY TOWNSHIP 000 000 PT SE4 SEC 11 13N 1E BEG AT SW/C SE4 TH N2651.38FT E1980.26FT S2176.73FT W249FT S117FT W660FT S330FT W
Legal Range	01E
Legal Township	13N
Legal Section	11
Legal Quarter	SE
Legal Subdivision	DEWEY TOWNSHIP
Jurisdiction	OKLAHOMA OK
Township / Civil Division	OKLAHOMA CITY NORTHEAST
Census Block Group	2
Census Block	2010
Census Tract	109001

Owner

Source: Oklahoma County records, as of January 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	20655 E MEMORIAL RD, LUTHER, OK 73054-9257
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Line of Credit QUAIL CREEK BANK NA
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUAIL CREEK BANK NA
Mar 17, 2020	Deed of Trust, Mortgage GRAND SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2014 · Amount on Record
Deed Sale	Oct 29, 2014 · Amount on Record
Deed Document Number	0012674456
Deed Book / Page	12674 / 456
Last Transfer Date	Oct 31, 2014
Transfer Doc	0126740456
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	20655 E MEMORIAL RD, LUTHER, OK 73054-9257
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001019684
Date	Feb 3, 2021
Book Page	14622/648
Instrument	2021020301019684

Lender

Name	QUAIL CREEK BANK NA
Type	Bank
Address	OKLAHOMA CITY, OK 73120

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	20655 E MEMORIAL RD, LUTHER, OK 73054-9257
Transaction Type	Mortgage
Record Updated	Mar 7, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010549890
Date	Apr 21, 2020
Book Page	14319/1616
Instrument	20200421010549890

Lender

Name	QUAIL CREEK BANK NA
Type	Bank
Address	OKLAHOMA CITY, OK 73120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	10.2%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	20655 E MEMORIAL RD, LUTHER, OK 73054-9257
Document Number	0142910389
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20373-20697 E MEMORIAL RD LUTHER OK 73054, LUTHER, OK 73054

Mortgage

Document Number	0142910389
Date	Mar 17, 2020
Book Page	014291/000389
Instrument	10384390

Lender

Name	GRAND SVGS BK
Type	Federal Savings Bank
Address	GROVE, OK 74345-1809

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 16, 2040

Tax Assessment & Valuation

Source: Oklahoma County assessment roll, as of October 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,060.00 (+10.94%) Homeowner's exemption	$54,259 (+6.09%) Land $4,257 Building $50,002	$641,941 (+38.06%) Land $50,366 Building $591,575
2023	$4,561.00 Homeowner's exemption	$51,145 Land $1,724 Building $49,421	$464,960 Land $15,673 Building $449,287

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 May 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 68% of the US · lower than 67% of Oklahoma
Wildfire Likelihood	0.2% 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	LUTHER serves 650 people · EPA ID OK2005503
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Centranet Fiber	1,000 / 1,000
Atlink Services Fixed Wireless	100 / 20

May also be available: Airosurf Communications, Verizon.

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