3302 Spencer Rd, Duncan, OK 73533 Property Records

Stephens County property record for 3302 Spencer Rd, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,011 sqft · built 1979
Lot Size	0.343 acres (14,924 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Aug 2009)
Tax Bill	$1,352 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16170`

Property Details

APN / Parcel Number

Primary APN	`16170`
Alternative APN	`1087-00-001-011-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,011 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	14,924 sqft (0.343 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	222 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16170
Street Address	3302 SPENCER RD
City	DUNCAN
State	OK
Zip	73533-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 1 LOT 11 CLAMPITT OAKS #3
Legal Range	07W
Legal Township	01N
Legal Section	20
Legal Subdivision	CLAMPITT OAKS PART THREE
Legal Block	1
Legal Lot Number	11
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	3
Census Block	3013
Census Tract	200

Owner

3302 Spencer Rd is owned and occupied by two individuals who bought it in August 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	3302 SPENCER RD, DUNCAN, OK 73533-1803
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2009 · Amount on File
Deed Sale	Aug 11, 2009 · Amount on File
Prior Sale	Dec 22, 1992 · Amount on File
Deed Document Number	200980-1156
Deed Book / Page	3905 / 19
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	3302 SPENCER RD, DUNCAN, OK 73533-1803
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	STEPHENS CO ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5811/225
Date	May 13, 2020
Book Page	5811/225
Instrument	2020-003760

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3302 Spencer Rd was $1,352 with a homeowner's exemption, up 3.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,031 (-) Land $1,267 Building $15,764	$154,825 (-5.37%) Land $11,516 Building $143,309
2025	$1,352.00 (+3.13%) Homeowner's exemption	$17,031 (+6.09%) Land $1,267 Building $15,764	$163,614 (-1.8%) Land $11,516 Building $152,098
2024	$1,311.00 (+4.96%) Homeowner's exemption	$16,054 (+0.01%) Land $1,267 Building $14,787	$166,605 (+1.98%) Land $11,516 Building $155,089
2023	$1,249.00 Homeowner's exemption	$16,053 Land $1,267 Building $14,786	$163,377 Land $11,516 Building $151,861

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 3302 Spencer Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2007–2016)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2016 · 2 claims

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 3302 Spencer Rd is moderate, ranking above 61% 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 61% of the US · lower than 77% of Oklahoma
Wildfire Likelihood	0.2% 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	DUNCAN PUBLIC UTILITIES AUTHORITY serves 23,000 people · EPA ID OK1010809
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2023 Haloacetic acids resolved · Jul 2017 Turbidity resolved · Dec 2016
Treatment and Procedure	Organic carbon removal Oct 2024
Monitoring and Reporting	6 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
360 Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20