20876 Jake Smith Rd, Spiro, OK 74959 Property Records

Le Flore County property record for 20876 Jake Smith Rd, Spiro, OK 74959

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,256 sqft · built 1994
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Feb 2020 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16305`

Property Details

APN / Parcel Number

Primary APN	`16305`
Alternative APN	`0000-25-09N-25E-0-046-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	108,900 sqft (2.5 acres)

Exterior Amenities

Porch	Slab
Porch Area	235 sqft
Patio Area	75 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16305
Street Address	20876 JAKE SMITH RD
City	SPIRO
State	OK
Zip	74959-4304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 25 TWP 9N RNG 25E SW SE NW SW B1822 P475 B1990 P216 B2053 P921 B2053 P940 B2096 P840
Legal Range	25E
Legal Township	09N
Legal Section	25
Jurisdiction	LE FLORE OK
Township / Civil Division	SPIRO
Census Block Group	1
Census Block	1033
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 Individual Names on Record
Mailing Address	20876 JAKE SMITH RD, SPIRO, OK 74959-4304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2020	Intrafamily Transfer, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
Dec 21, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Dec 21, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2020
Deed Sale	Feb 11, 2020
Prior Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	2020926
Deed Book / Page	2096 / 840
Last Transfer Date	Apr 10, 2023
Transfer Doc	0000002491
Record Updated	Oct 29, 2026

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LE FLORE OK
Recording Date	Feb 11, 2020
Property Address	20876 JAKE SMITH RD, SPIRO, OK 74959-4304
Document Number	0020960840
Book / Page	2096 / 840
Instrument Date	Jan 24, 2020
Instrument	926
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	EQUITY NATIONAL TITLE

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	Joint Tenants
Address	20876 JAKE SMITH RD, SPIRO, OK 74959-4304

Mortgage

Document Number	0000000927
Date	Feb 11, 2020
Instrument	927

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LE FLORE OK
Recording Date	Dec 21, 2018
Property Address	20876 JAKE SMITH RD, SPIRO, OK 74959-4304
Document Number	0020530940
Book / Page	002053 / 000940
Instrument Date	Dec 20, 2018
Instrument	9024
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$213.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20876 JAKE SMITH RD SPIRO OK 749594304, SPIRO, OK 74959-4304

Mortgage

Document Number	20530941
Date	Dec 21, 2018
Book Page	002053/000941
Instrument	9025

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2048

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LE FLORE OK
Recording Date	Dec 21, 2018
Property Address	20876 JAKE SMITH RD, SPIRO, OK 74959-4304
Document Number	0020530921
Book / Page	002053 / 000921
Instrument Date	Nov 21, 2018
Instrument	9022
Transaction Type	Transfer
Record Updated	Jan 14, 2019

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20876 JAKE SMITH RD SPIRO OK 749594304, SPIRO, OK 74959-4304

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		$14,522 (+2.99%) Land $1,050 Building $13,472	$132,018 (-23%) Land $9,548 Building $122,470
2025	Homeowner's exemption	$14,100 (+6.09%) Land $1,020 Building $13,080	$171,461 (+41.92%) Land $22,500 Building $148,961
2023	Homeowner's exemption	$13,290 Land $990 Building $12,300	$120,816 Land $9,000 Building $111,816

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	3 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 82% of the US · above 61% 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	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

May also be available: 360 Broadband, AT&T.

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