3102 E 3rd Ave, Stillwater, OK 74074 Property Records

Payne County property record for 3102 E 3rd Ave, Stillwater, OK 74074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,307 sqft · built 2007
Lot Size	0.191 acres (8,331 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Apr 2026)
Tax Bill	$1,846 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19N03E-18-2-SP270-002-0014`

Property Details

APN / Parcel Number

Primary APN	`19N03E-18-2-SP270-002-0014`
Alternative APNs	`600075492` `75492`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,307 sqft Living Area
1st Floor Area	1,307 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,331 sqft (0.191 acres)
Lot Dimensions	119 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	412 sqft
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	75492
Street Address	3102 E 3RD AVE
City	STILLWATER
State	OK
Zip	74074-3938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT OAKS BLK 2 LOT 14
Legal Range	03E
Legal Township	19N
Legal Section	18
Legal Subdivision	PLEASANT OAKS
Legal Block	2
Legal Lot Number	14
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	3
Census Block	3010
Census Tract	10600

Owner

Source: Payne County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 2421, STILLWATER, OK 74076-2421
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage EXCHANGE BANK AND TRUST COMPANY
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage EXCHANGE BANK
Aug 28, 2025	Warranty Deed, Transfer OCTS
Mar 19, 2024	Warranty Deed, Transfer · Conventional Mortgage PLEASANT OAKS OF STILLWATER LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Aug 28, 2025 · Amount on Record
Deed Document Number	20263334
Deed Book / Page	2929 / 994
Prior Transfer Date	Jul 2, 2025
Prior Transfer Doc	0000007290
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Apr 6, 2026
Property Address	3102 E 3RD AVE, STILLWATER, OK 74074-3938
Document Number	0000003334
Book / Page	2929 / 994
Instrument Date	Apr 1, 2026
Instrument	20263334
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	OCTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,693.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003335,
Date	Apr 6, 2026
Instrument	20263335

Lender

Name	EXCHANGE BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Apr 6, 2026
Property Address	3102 E 3RD AVE, STILLWATER, OK 74074-3938
Document Number	0029290994
Book / Page	2929 / 994
Instrument Date	Apr 1, 2026
Instrument	20263334
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	OCTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,693.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003335,
Date	Apr 6, 2026
Instrument	20263335

Lender

Name	EXCHANGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Aug 28, 2025
Property Address	3102 E 3RD AVE, STILLWATER, OK 74074-3938
Document Number	0028870002
Book / Page	2887 / 2
Instrument Date	Aug 28, 2025
Instrument	I-2025-009709
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	OCTS

Transaction

Amount	Amount Recorded
Tax	$168.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5212 W LAKEVIEW RD, STILLWATER, OK 74075-2034

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Mar 19, 2024
Property Address	3102 E 3RD AVE, STILLWATER, OK 74074-3938
Document Number	0027910884
Book / Page	2791 / 884
Instrument Date	Mar 15, 2024
Instrument	I-2024-002292
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	AMERICAN EAGLE TITLE INSURANCE COMPANY, AMERICAM EAGLE TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 E 3RD AVE, STILLWATER, OK 74074-3938
Investor	Possibly a Property Investor

Mortgage

Document Number	I2024002293
Date	Mar 19, 2024
Instrument	I-2024-002293

Lender

Name	PLEASANT OAKS OF STILLWATER LP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	421 Months
Due	Apr 1, 2059

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	3.5%
Index	1-Year CMT
Max Rate	6.5%

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,715 (+157.34%) Land $3,420 Building $19,295	$199,260 (-5.2%) Land $30,000 Building $169,260
2025	$1,846.00 (+105.57%)	$8,827 (-) Land $1,259 Building $7,568
2024	$898.00 (+5.28%)	$8,827 (+5%) Land $1,259 Building $7,568	$210,200 (+5.24%) Land $30,000 Building $180,200
2023	$853.00 (+5.18%)	$8,407 (+5%) Land $1,262 Building $7,145	$199,740 (+157.53%) Land $30,000 Building $169,740
2022	$811.00	$8,007 Land $2,064 Building $5,943	$77,560 Land $20,000 Building $57,560

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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

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

Wildfire Risk	Moderate above 64% of the US · lower than 73% of Oklahoma
Wildfire Likelihood	0.2% 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	STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Oct 2022
Monitoring and Reporting	None 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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