309 E Adams St, Covington, OK 73730 Property Records

Garfield County property record for 309 E Adams St, Covington, OK 73730

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,320 sqft · built 1998
Lot Size	4.29 acres (186,872 sqft)
Owner	2 Individual Names on File
Tax Bill	$775 (2025)
Deeds & Mortgages	Oct 2016 Mortgage Jan 2009 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6140-00-047-001-0-169-50`

Property Details

APN / Parcel Number

Primary APN	`6140-00-047-001-0-169-50`
Alternative APN	`75206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,320 sqft Living Area
1st Floor Area	2,128 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	186,872 sqft (4.29 acres)
Lot Dimensions	100 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	1,500 sqft
Porch	Slab
Deck Area	290 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	75206
Street Address	309 E ADAMS ST
City	COVINGTON
State	OK
Zip	73730-2126
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	N 100' OF L1-6 BLOCK 47 SD-C94 EAST COVINGTON SW/4 12-21-4 1998 CHAMPION/DUTCH 28X76 - MH TITLE CANX
Legal Range	04W
Legal Township	21N
Legal Section	12
Legal Subdivision	EAST COVINGTON
Legal Block	47
Legal Lot Number	1
Jurisdiction	GARFIELD OK
Township / Civil Division	SOUTH GARFIELD
Census Block Group	4
Census Block	4144
Census Tract	1200

Owner

309 E Adams St, a mobile home, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 335, COVINGTON, OK 73730-0335
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
Oct 27, 2016	Deed of Trust, Mortgage · ARM EXCHANGE BANK & TRUST CO
Jan 6, 2009	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST CO
Mar 4, 2013	Deed of Trust, Mortgage · Conventional Mortgage EXCHANGE BANK & TRUST CO

Assessor's Deed Record

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

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	309 E ADAMS ST, COVINGTON, OK 73730-2126
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02310/1028
Date	Oct 27, 2016
Book Page	2310/1028

Lender

Name	EXCHANGE BANK & TRUST CO
Type	Bank
Address	PERRY, OK 73077

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Oct 1, 2017
Change Frequency	Monthly
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	309 E ADAMS ST, COVINGTON, OK 73730-2126
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01928/0299
Date	Jan 6, 2009
Book Page	1928/0299

Lender

Name	FIRST BANK & TRUST CO
Type	Bank
Address	COVINGTON, OK 73730

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 10, 2024

Interest

Rate	4.5%

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	309 E ADAMS ST, COVINGTON, OK 73730-2126
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02127/0088
Date	Mar 4, 2013
Book Page	2127/0088

Lender

Name	EXCHANGE BANK & TRUST CO
Address	STILLWATER, OK 74074

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 309 E Adams St was $775 with a homeowner's exemption.

Source: Garfield County assessment roll, as of March 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Garfield County
Municipality	Covington Town
Unified School District	Covington-Douglas Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$9,040 (+3%) Land $306 Building $8,734	$72,317 (-49.12%) Land $2,445 Building $69,872
2025	$775.00 Homeowner's exemption	$8,777 Land $305 Building $8,472	$142,124 Land $2,440 Building $139,684
2023	$782.00 Homeowner's exemption	$8,229 Land $301 Building $7,928	$70,750 Land $2,440 Building $68,310

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

Flood

FEMA maps place 309 E Adams St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 309 E Adams St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	COVINGTON serves 553 people · EPA ID OK3002419
Water Source	Purchased groundwater from SALT FORK WATER AUTHORITY
Last State Inspection	Jul 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pioneer Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Chisholm Broadband.

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