304 Oak St, Elgin, OK 73538 Property Records

Comanche County property record for 304 Oak St, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 998 sqft · built 1962
Lot Size	0.187 acres (8,146 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Dec 2020)
Tax Bill	$953 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04N10W-31-1-50100-004-0002`

Property Details

APN / Parcel Number

Primary APN	`04N10W-31-1-50100-004-0002`
Alternative APNs	`050100-0040002-00000` `160019595` `19595`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	998 sqft Living Area
1st Floor Area	998 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	8,146 sqft (0.187 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19595
Street Address	304 OAK ST
City	ELGIN
State	OK
Zip	73538-8833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	K-LOWE BLK 4 LOT 2
Legal Range	10W
Legal Township	04N
Legal Section	31
Legal Subdivision	K-LOWE
Legal Block	4
Legal Lot Number	2
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHEAST COMANCHE
Census Block Group	1
Census Block	1073
Census Tract	2101

Owner

304 Oak St is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	304 OAK ST, ELGIN, OK 73538-8833
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2020 · Amount on File
Deed Sale	Dec 28, 2020 · Amount on File
Prior Sale	Mar 3, 2011 · Amount on File
Deed Document Number	202019260
Deed Book / Page	8639 / 77
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Dec 28, 2020
Property Address	304 OAK ST, ELGIN, OK 73538-8833
Document Number	0008639/77
Book / Page	8639 / 77
Instrument Date	Nov 6, 2020
Instrument	2020-019260
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	304 OAK ST, ELGIN, OK 73538-8833

Mortgage

Document Number	2020019261
Date	Dec 28, 2020
Instrument	2020-019261

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 304 Oak St was $953 with a homeowner's exemption.

Source: Comanche County assessment roll, as of January 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$10,617 (+1.85%) Land $2,493 Building $8,124	$94,375 (-) Land $22,160 Building $72,215
2025	$953.00 Homeowner's exemption	$10,424 (+2.99%) Land $2,493 Building $7,931	$94,375 (+4.91%) Land $22,160 Building $72,215
2024	$953.00 (-3.44%) Homeowner's exemption	$10,121 (-3.18%) Land $2,493 Building $7,628	$89,960 (-10.87%) Land $22,160 Building $67,800
2023	$987.00 Homeowner's exemption	$10,453 Land $1,009 Building $9,444	$100,931 Land $15,160 Building $85,771

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

FEMA maps place 304 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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	1 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

Wildfire risk around 304 Oak St is moderate, ranking above 67% 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 67% of the US · lower than 70% of Oklahoma
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ELGIN PWA serves 3,300 people · EPA ID OK2001610
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	65 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Southwest Oklahoma Telephone Company Fiber · Cable in parts of the area	1,000 / 750
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20