23809 E 320 Rd, Chelsea, OK 74016 Property Records

Rogers County property record for 23809 E 320 Rd, Chelsea, OK 74016

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,820 sqft · built 2023
Lot Size	17 acres (740,520 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,118 (2025)
Deeds & Mortgages	Sep 2022 Construction Loan Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24N18E-17-4-00000-001-0000`

Property Details

APN / Parcel Number

Primary APN	`24N18E-17-4-00000-001-0000`
Alternative APNs	`0106724` `106724`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,820 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	740,520 sqft (17 acres)
Porch	Slab
Porch Area	644 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	106724
Street Address	23809 E 320 RD
City	CHELSEA
State	OK
Zip	74016-5031
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W 561' SE SE
Legal Range	18E
Legal Township	24N
Legal Section	17
Jurisdiction	ROGERS OK
Township / Civil Division	CHELSEA
Census Block Group	1
Census Block	1047
Census Tract	50702

Owner

23809 E 320 Rd, a rural home, is owned and occupied by two individuals.

Source: Rogers County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23809 E 320 RD, CHELSEA, OK 74016-5031
Occupancy	Owner Occupied
Owner Type	Individual

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 9, 2022	Deed of Trust, Mortgage · Construction Mortgage CENTRAL TRUST BANK
Apr 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROGERS OK
Property Address	23809 E 320 RD, CHELSEA, OK 74016-5031
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23221 S LEOLA LN, CLAREMORE, OK 74019-2154

Mortgage

Document Number	0000015091
Date	Sep 9, 2022
Instrument	2022-015091

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	TULSA, OK 74137

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 8, 2023

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROGERS OK
Property Address	23809 E 320 RD, CHELSEA, OK 74016-5031
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005347
Date	Apr 26, 2023
Instrument	2023-005347

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Margin	3
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 23809 E 320 Rd was $2,118 with a homeowner's exemption, down 3.3% from the year before.

Source: Rogers County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,394 (+3%) Land $170 Building $27,224	$249,034 (+3%) Land $1,541 Building $247,493
2025	$2,118.00 (-3.29%) Homeowner's exemption	$26,596 (-1.31%) Land $170 Building $26,426	$241,781 (-3.5%) Land $1,541 Building $240,240
2024	$2,190.00 (+895.45%) Homeowner's exemption	$26,949 (+651.51%) Land $170 Building $26,779	$250,543 (+668.73%) Land $1,541 Building $249,002
2023	$220.00 Homeowner's exemption	$3,586 Land $170 Building $3,416	$32,592 Land $1,541 Building $31,051

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 23809 E 320 Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 15, 2023

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

Wildfire risk around 23809 E 320 Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 77% 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	MAYES CO RWD # 5 serves 3,360 people · EPA ID OK3004616
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025
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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
The Junction Internet Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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