307 First St, Velma, OK 73491 Property Records

Stephens County property record for 307 First St, Velma, OK 73491

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,644 sqft · built 1978
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Aug 2025)
Tax Bill	$773 (2025)
Deeds & Mortgages	Jul 2019 Mortgage May 2016 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0000-13-01S-05W-4-008-00`

Property Details

APN / Parcel Number

Primary APN	`0000-13-01S-05W-4-008-00`
Alternative APN	`2859`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,644 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2022
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	98,010 sqft (2.25 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	128 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2859
Street Address	307 FIRST ST
City	VELMA
State	OK
Zip	73491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	13-1S-5W TR BEG 806E SW/C SE N360 E272 S360 W272 TO POB
Legal Range	05W
Legal Township	01S
Legal Section	13
Legal Subdivision	T1S-R5W
Legal Block	1S
Legal Lot Number	5W
Jurisdiction	STEPHENS OK
Township / Civil Division	VELMA-ALMA
Census Block Group	1
Census Block	1049
Census Tract	1000

Owner

Source: Stephens 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	206 S 13TH ST, DUNCAN, OK 73533-4737
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage OKLAHOMAS CU
May 11, 2016	Deed of Trust, Mortgage · Conventional Mortgage OKLAHOMA EMPLOYEES CU
Aug 14, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Jul 2, 2003 · Amount on Record
Deed Document Number	20257221
Deed Book / Page	6719 / 86
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	307 FIRST ST, VELMA, OK 73491
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005687/281
Date	Jul 24, 2019
Book Page	5687/281
Instrument	2019-007295

Lender

Name	OKLAHOMAS CU
Type	Credit Union
Address	OKLAHOMA CITY, OK 73124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	307 FIRST ST, VELMA, OK 73491
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005129/253
Date	May 11, 2016
Book Page	5129/253
Instrument	2016-934757

Lender

Name	OKLAHOMA EMPLOYEES CU
Type	Credit Union
Address	OKLAHOMA CITY, OK 73124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Aug 14, 2025
Property Address	307 FIRST ST, VELMA, OK 73491
Document Number	0006719/86
Book / Page	6719 / 86
Instrument Date	Mar 13, 2024
Instrument	I-2025-007221
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	206 S 13TH ST, DUNCAN, OK 73533-4737

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$14,304 (+40.5%) Land $2,255 Building $12,049	$130,040 (+40.49%) Land $20,500 Building $109,540
2025	$773.00 (+80.19%)	$10,181 (+89.34%) Land $919 Building $9,262	$92,560 (-8.4%) Land $8,358 Building $84,202
2024	$429.00 (+8.61%)	$5,377 (-) Land $738 Building $4,639	$101,053 (+12.11%) Land $8,358 Building $92,695
2023	$395.00	$5,377 Land $740 Building $4,637	$90,135 Land $8,358 Building $81,777

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 29, 2010

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

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.

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