302 3rd St, Velma, OK 73491 Property Records

Stephens County property record for 302 3rd St, Velma, OK 73491

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,086 sqft · built 1970
Lot Size	0.332 acres (14,449 sqft)
Owner	2 Individual Names on File
Tax Bill	$816 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28566`

Property Details

APN / Parcel Number

Primary APN	`28566`
Alternative APN	`5001-00-009-009-0-002-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,086 sqft Living Area
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,449 sqft (0.332 acres)
Garage Type	Carport
Garage Area	529 sqft
Carport	Carport
Carport Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28566
Street Address	302 3RD ST
City	VELMA
State	OK
Zip	73491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 9 N1/2 W1/2 LT 9 & W1/2 LT 10 VELMA CITY
Legal Range	05W
Legal Township	01S
Legal Section	24
Legal Subdivision	CITY OF VELMA
Legal Block	9
Legal Lot Number	9,10
Jurisdiction	STEPHENS OK
Township / Civil Division	VELMA-ALMA
Census Block Group	3
Census Block	3010
Census Tract	1000

Owner

302 3rd St, a single family home, is owned by two individuals.

Source: Stephens 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	2 Individual Names on File
Mailing Address	PO BOX 336, VELMA, OK 73491-0336
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Jan 7, 2022
Property Address	302 3RD ST, LOCO, OK 73442-1706
Document Number	006098/277
Book / Page	6098 / 277
Instrument Date	Jan 6, 2022
Instrument	I-2022-000212
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
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 with Right of Survivorship
Address	PO BOX 336, VELMA, OK 73491-0336

Mortgage

Document Number	I2022000213
Date	Jan 7, 2022
Instrument	I-2022-000213

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 302 3rd St was $816.

Source: Stephens County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Stephens County
Municipality	Velma Town
Unified School District	Velma-Alma Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$10,943 (+1.88%) Land $302 Building $10,641	$99,486 (+1.88%) Land $2,747 Building $96,739
2025	$816.00	$10,741 (-9.14%) Land $302 Building $10,439	$97,648 (-9.13%) Land $2,747 Building $94,901
2024	$816.00 (-10.03%)	$11,821 (+0.39%) Land $302 Building $11,519	$107,458 (+0.38%) Land $2,747 Building $104,711
2023	$907.00	$11,775 Land $302 Building $11,473	$107,049 Land $2,747 Building $104,302

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

Flood

FEMA maps place 302 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 Claims	1 (1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

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

Wildfire risk around 302 3rd St is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · lower than 65% of Oklahoma
Wildfire Likelihood	0.3% 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	STEPHENS CO RW&SD #1 serves 960 people · EPA ID OK2006906
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 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	7 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20
360 Broadband Fixed Wireless	60 / 6

May also be available: AT&T, Rise Broadband, Verizon.

Nearby Properties on 3rd St

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