3 E St SW, Miami, OK 74354 Property Records

Ottawa County property record for 3 E St SW, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,508 sqft · built 1920
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Feb 2024)
Tax Bill	$1,098 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Feb 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13838`

Property Details

APN / Parcel Number

Primary APN	`13838`
Alternative APN	`3520-00-090-001-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2007
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	749 sqft
Carport	Carport
Carport Area	749 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13838
Street Address	3 E ST SW
City	MIAMI
State	OK
Zip	74354-6714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1, BLK 90 ORIGINAL PLAT I (SHARED DRIVEWAY 620/047 WITH 3520-00-090-002...)
Legal Range	22E
Legal Township	28N
Legal Section	25
Legal Subdivision	MIAMI O.P. I
Legal Block	90
Legal Lot Number	1
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1036
Census Tract	574500

Owner

Source: Ottawa County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3 E ST SW, MIAMI, OK 74354-6714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Quit Claim Deed, Transfer · Stand-Alone Second Mortgage OKLAHOMA HOUSING FINANCE AGENCY
Feb 2, 2024	Warranty Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP
Sep 20, 2023	Warranty Deed, Transfer · Conventional Mortgage WELCH STATE BANK OF WELCH OK
Sep 20, 2023	Quit Claim Deed, Transfer APEX TITLE NORTHEAST OK LLC
Mar 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage METHOD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2024 · Amount on Record
Deed Sale	Feb 2, 2024 · Amount on Record
Prior Sale	Sep 20, 2023 · Amount on Record
Deed Document Number	2024444
Deed Book / Page	1199 / 711
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Feb 2, 2024
Property Address	3 E ST SW, MIAMI, OK 74354-6714
Document Number	001199/731
Book / Page	1199 / 731
Instrument Date	Feb 2, 2024
Instrument	I-2024-000447
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E ST SW, MIAMI, OK 74354-6714

Mortgage

Document Number	I2024000446
Date	Feb 2, 2024
Instrument	I-2024-000446

Lender

Name	OKLAHOMA HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Feb 2, 2024
Property Address	3 E ST SW, MIAMI, OK 74354-6714
Document Number	001199/711
Book / Page	1199 / 711
Instrument Date	Feb 2, 2024
Instrument	I-2024-000444
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	APEX TITLE COMPANY, APEX TTL & CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E ST SW, MIAMI, OK 74354-6714

Mortgage

Document Number	I2024000445
Date	Feb 2, 2024
Instrument	I-2024-000445

Lender

Name	NEW FED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 20, 2023
Property Address	3 E ST SW, MIAMI, OK 74354-6714
Document Number	001191/418
Book / Page	1191 / 418
Instrument Date	Sep 20, 2023
Instrument	I-2023-004271
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 C ST NW, MIAMI, OK 74354

Mortgage

Document Number	I2023004272
Date	Sep 20, 2023
Instrument	I-2023-004272

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 20, 2023
Property Address	3 E ST SW, MIAMI, OK 74354-6714
Document Number	001191/433
Book / Page	1191 / 433
Instrument Date	Sep 20, 2023
Instrument	I-2023-004273
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 C ST NE, MIAMI, OK 74354-3347

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	3 E ST SW, MIAMI, OK 74354-6714
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5900 S 540 RD, MIAMI, OK 74354-2504

Mortgage

Document Number	001157/740
Date	Mar 29, 2022
Book Page	1157/740
Instrument	I-2022-001600

Lender

Name	METHOD BANK
Address	WYANDOTTE, OK 74370

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	164 Months
Due	Nov 5, 2035

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Ottawa County
Municipality	Miami City
Unified School District	Miami Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$11,400 (-) Land $876 Building $10,524	$100,000 (-) Land $7,686 Building $92,314
2025	$1,098.00 (-1.26%)	$11,400 (+23.46%) Land $876 Building $10,524	$100,000 (+23.46%) Land $7,686 Building $92,314
2024	$1,112.00 (+123.29%)	$9,234 (+76.19%) Land $876 Building $8,358	$81,000 (+20.27%) Land $7,686 Building $73,314
2023	$498.00 (+8.03%)	$5,241 (+5.01%) Land $456 Building $4,785	$67,346 (-) Land $4,000 Building $63,346
2022	$461.00	$4,991 Land $456 Building $4,535	$67,346 Land $4,000 Building $63,346

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 September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	15 (1986–2026)
Claims Outside the SFHA	1 of 15
Most Recent Claim	May 2026 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 1994 · 3 claims

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	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	MIAMI serves 13,704 people · EPA ID OK2005813
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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