3321 E 4th Ave, Stillwater, OK 74074 Property Records

Payne County property record for 3321 E 4th Ave, Stillwater, OK 74074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,403 sqft · built 1999
Lot Size	0.215 acres (9,406 sqft)
Owner	Trust Name on File
Tax Bill	$2,163 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2023 Second Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`19N03E-18-2-SC620-001-0016`

Property Details

APN / Parcel Number

Primary APN	`19N03E-18-2-SC620-001-0016`
Alternative APNs	`600025768` `25768`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,403 sqft Living Area
1st Floor Area	1,403 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,406 sqft (0.215 acres)
Lot Dimensions	143 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	972 sqft
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25768
Street Address	3321 E 4TH AVE
City	STILLWATER
State	OK
Zip	74074-8312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLINS ADD-51 EAST BLK 1 LOT 16
Legal Range	03E
Legal Township	19N
Legal Section	18
Legal Subdivision	COLLINS ADD-51 EAST
Legal Block	1
Legal Lot Number	16
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	3
Census Block	3013
Census Tract	10600

Owner

3321 E 4th Ave, a single family home, is held in a trust.

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

Owner of Record	Trust Name on File
Mailing Address	225 ESTEP HOLW, A, HARROGATE, TN 37752-5139
Owner Type	Individual
Vesting	Trust

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
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OKLAHOMA COMMUNITY FCU
Jul 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY & CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Recording Date	Sep 11, 2026
Property Address	3321 E 4TH AVE, STILLWATER, OK 74074-8312
Document Number	0000010330
Book / Page	2966 / 300
Instrument Date	Sep 4, 2026
Instrument	202610330
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165

Mortgage

Document Number	0000010330,
Date	Sep 11, 2026
Book Page	2966/300
Instrument	202610330

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 4, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	3321 E 4TH AVE, STILLWATER, OK 74074-8312
Transaction Type	Mortgage
Record Updated	Dec 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027790016
Date	Dec 7, 2023
Book Page	2779/16
Instrument	I-2023-011866

Lender

Name	OKLAHOMA COMMUNITY FCU
Type	Credit Union
Address	STILLWATER, OK 74076

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Nov 22, 2038

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	3321 E 4TH AVE, STILLWATER, OK 74074-8312
Document Number	0024080799
Book / Page	002408 / 000799
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3321 E 4TH AVE STILLWATER OK 740748312, STILLWATER, OK 74074-8312

Mortgage

Document Number	0024080799
Date	Aug 8, 2017
Book Page	002408/000799
Instrument	9618

Lender

Name	UNIVERSITY & CMNTY FCU
Type	Credit Union
Address	STILLWATER, OK 74076

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 7, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3321 E 4th Ave was $2,163, up 4.6% from the year before.

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		$22,426 (+10.25%) Land $3,510 Building $18,916	$196,722 Land $30,797 Building $165,925
2025	$2,163.00 (+4.59%)	$20,341 (-) Land $2,568 Building $17,773
2024	$2,068.00 (+5.19%)	$20,341 (+5%) Land $2,568 Building $17,773	$237,610 (+5.77%) Land $30,000 Building $207,610
2023	$1,966.00 (+11.33%)	$19,372 (+5%) Land $2,587 Building $16,785	$224,650 (+17.86%) Land $30,000 Building $194,650
2022	$1,766.00 Homeowner's exemption	$18,450 Land $1,935 Building $16,515	$190,600 Land $20,000 Building $170,600

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

Flood

FEMA maps place 3321 E 4th Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 3321 E 4th Ave 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 80% 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	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 204 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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