Garfield County property record for 321 E Choctaw St, Garber, OK 73738
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,420 sqft · built 1920 |
| Lot Size | 0.161 acres (6,999 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (May 2023) |
| Tax Bill | $937 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Nov 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 26742 |
| Primary APN | 26742 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,420 sqft Living Area |
| 1st Floor Area | 1,420 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,999 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 312 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 144 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 26742 |
|---|---|
| Street Address | 321 E CHOCTAW ST |
| City | GARBER |
| State | OK |
| Zip | 73738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1-2 BLOCK 21 SD-G47 GARBER'S ADDN TO GARBER SW/4 25-23-4 |
| Legal Range | 04W |
| Legal Township | 23N |
| Legal Section | 25 |
| Legal Subdivision | GARBER'S TO GARBER |
| Legal Block | 21 |
| Legal Lot Number | 1,2 |
| Jurisdiction | GARFIELD OK |
| Township / Civil Division | NORTH GARFIELD |
| Census Block Group | 4 |
| Census Block | 4065 |
| Census Tract | 1100 |
321 E Choctaw St is owned and occupied by two individuals who bought it in May 2023.
Source: Garfield County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 E CHOCTAW ST, GARBER, OK 73738 |
| 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.
| Date | Document |
|---|---|
| May 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST BANK & TRUST CO |
| Nov 25, 2019 | Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on File |
| Deed Sale | May 26, 2023 · Amount on File |
| Prior Sale | Nov 25, 2019 · Amount on File |
| Deed Document Number | 20234096 |
| Deed Book / Page | 2626 / 454 |
| Prior Transfer Date | Nov 22, 2019 |
| Prior Transfer Doc | 02460/0258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARFIELD OK |
| Recording Date | May 26, 2023 |
| Property Address | 321 E CHOCTAW ST, GARBER, OK 73738 |
| Document Number | 002626/454 |
| Book / Page | 2626 / 454 |
| Instrument Date | May 25, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2023 |
| Title Company | GUARANTY ABSTRACT COMPANY, GUARANTEE ABSTRACT COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 321 E CHOCTAW ST, GARBER, OK 73738 |
| Document Number | 0002626546 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 2626/546 |
| Name | FIRST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2043 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | GARFIELD OK |
| Recording Date | Nov 25, 2019 |
| Property Address | 321 E CHOCTAW ST, GARBER, OK 73738 |
| Document Number | 02460/0258 |
| Book / Page | 2460 / 0258 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 24, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 307, BILLINGS, OK 74630-0307 |
The 2025 property tax bill for 321 E Choctaw St was $937.
Source: Garfield County assessment roll, as of March 10, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Garfield County |
| Municipality | Garber City |
| Unified School District | Garber Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,447 (+1.59%) Land $375 Building $9,072 | $75,577 (+1.59%) Land $3,000 Building $72,577 | |
| 2025 | $937.00 | $9,299 Land $375 Building $8,924 | $74,391 Land $3,000 Building $71,391 |
| 2023 | $664.00 | $6,439 Land $375 Building $6,064 | $51,510 Land $3,000 Building $48,510 |
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.
FEMA maps place 321 E Choctaw 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 | 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.
The area around 321 E Choctaw St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARBER MUNICIPAL AUTHORITY serves 725 people · EPA ID OK2002416 |
|---|---|
| Water Source | Purchased groundwater from ENID |
| Last State Inspection | Jul 2023 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | Carbon tetrachloride resolved · Jan 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
| Nextlink Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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