314 Oak St, Watts, OK 74964 Property Records

Adair County property record for 314 Oak St, Watts, OK 74964

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,791 sqft · built 1965
Lot Size	0.18 acres (7,848 sqft)
Owner	Individual Name on File
Last Sale	$58,000 (Nov 2022)
Tax Bill	$557 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11356`

Property Details

APN / Parcel Number

Primary APN	`11356`
Alternative APN	`0300-00-025-003-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,791 sqft Living Area
1st Floor Area	1,791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	7,848 sqft (0.18 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	175 sqft
Patio Area	193 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater

Location & Zoning

Account Number	11356
Street Address	314 OAK ST
City	WATTS
State	OK
Zip	74964-4509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 80' LOT 3 - BLK 25 OT-WESTVILLE
Legal Subdivision	WESTVILLE ORIGINAL TOWN
Legal Block	25
Legal Lot Number	3
Jurisdiction	ADAIR OK
Township / Civil Division	WESTVILLE
Census Block Group	4
Census Block	4046
Census Tract	376700

Owner

314 Oak St is owned and occupied by an individual who bought it in November 2022.

Source: Adair 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	Individual Name on File
Mailing Address	314 OAK ST, WATTS, OK 74964-4509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Warranty Deed, Transfer · USDA Mortgage ARVEST BANK
Sep 23, 2019	Warranty Deed, Transfer · FHA Mortgage ARVEST BANK
Jun 28, 2007	Warranty Deed, Transfer · Conventional Mortgage ARVEST MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2022 · Amount on File
Deed Sale	Nov 28, 2022 · Amount on File
Prior Sale	Sep 23, 2019 · Amount on File
Deed Document Number	20223982
Deed Book / Page	602 / 747
Prior Transfer Date	May 11, 2005
Prior Transfer Doc	0400000025
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Nov 28, 2022
Property Address	314 OAK ST, WATTS, OK 74964-4509
Document Number	000602/747
Book / Page	602 / 747
Instrument Date	Nov 23, 2022
Instrument	I-2022-003982
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 OAK ST, WATTS, OK 74964-4509

Mortgage

Document Number	I2022003983
Date	Nov 28, 2022
Instrument	I-2022-003983

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Sep 23, 2019
Property Address	314 OAK ST, WATTS, OK 74964-4509
Document Number	000559/505
Book / Page	0559 / 505
Instrument Date	Sep 19, 2019
Instrument	2019-002664
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Full Amount Stated
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	314 OAK ST, WATTS, OK 74964-4509

Mortgage

Document Number	2019002665
Date	Sep 23, 2019
Instrument	2019-002665

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Jun 28, 2007
Property Address	314 OAK ST, WATTS, OK 74964-4509
Document Number	000430/392
Book / Page	0430 / 392
Instrument Date	Jun 27, 2007
Instrument	2007-002407
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
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	206 E DIVISION ST, WESTVILLE, OK 74965
Investor	Possibly a Property Investor

Mortgage

Document Number	2007002408
Date	Jun 28, 2007
Instrument	2007-002408

Lender

Name	ARVEST MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 314 Oak St was $557, down 2.5% from the year before.

Source: Adair County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Adair County
Municipality	Westville Town
Unified School District	Westville Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$6,868 (-2.05%) Land $1,020 Building $5,848	$57,230 (-2.06%) Land $8,500 Building $48,730
2025	$557.00 (-2.45%)	$7,012 (-4.05%) Land $1,020 Building $5,992	$58,434 (-9.15%) Land $8,500 Building $49,934
2024	$571.00 (+5.74%)	$7,308 (+5%) Land $1,015 Building $6,293	$64,318 (+10.89%) Land $8,500 Building $55,818
2023	$540.00	$6,960 Land $1,012 Building $5,948	$58,000 Land $8,430 Building $49,570

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 314 Oak 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 November 26, 2010

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 314 Oak St is moderate, ranking above 57% 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 57% of the US · lower than 81% 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	ADAIR CO RWD #3 serves 2,598 people · EPA ID OK3000106
Water Source	Purchased surface water from STILWELL
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OzarksGo Fiber	2,500 / 2,500

May also be available: T-Mobile, Verizon, Windstream.

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