3407 E McElroy Rd, Stillwater, OK 74075 Property Records

Payne County property record for 3407 E McElroy Rd, Stillwater, OK 74075

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1966
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Feb 2026)
Tax Bill	$2,103 (2025)
Deeds & Mortgages	Feb 2026 Sale May 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19N03E-17-4-00000-000-0752`

Property Details

APN / Parcel Number

Primary APN	`19N03E-17-4-00000-000-0752`
Alternative APNs	`600005477` `5477`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Attached
Garage Area	621 sqft

Exterior Amenities

Porch	Covered Porch
Porch Area	128 sqft
Patio Area	128 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	5477
Street Address	3407 E MCELROY RD
City	STILLWATER
State	OK
Zip	74075-8652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17-19N-03E D-752 (2.5ACM/L) BEG 165'E NW/C W/2 NW/4; S-660' E-165' N-660' W-165' POB
Legal Range	03E
Legal Township	19N
Legal Section	17
Legal Lot Number	752
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	4
Census Block	4008
Census Tract	11101

Owner

Source: Payne County records, as of February 17, 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
Co-owner	Co-owner on Record
Mailing Address	3407 E MCELROY RD, STILLWATER, OK 74075-8652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Warranty Deed, Transfer UNKNOWN, MULTIPLE
May 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NATIONAL BANK & TRUST CO
May 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NATIONAL BANK & TRUST CO
Sep 21, 2018	Warranty Deed, Transfer FIRST NAT'L BK&TR/WEATHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2026 · Amount on Record
Deed Sale	Feb 3, 2026 · Amount on Record
Deed Document Number	I-2026-001059
Deed Book / Page	2918 / 329
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Feb 3, 2026
Property Address	3407 E MCELROY RD, STILLWATER, OK 74075-8652
Document Number	0029180329
Book / Page	2918 / 329
Instrument Date	Jan 30, 2026
Instrument	I-2026-001059
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	UNKNOWN, MULTIPLE

Transaction

Amount	Amount Recorded
Tax	$397.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3407 E MCELROY RD, STILLWATER, OK 74075-8652

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	3407 E MCELROY RD, STILLWATER, OK 74075-8652
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026980660
Date	May 25, 2022
Book Page	2698/660
Instrument	I-2022-006037

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank
Address	STILLWATER, OK 74074

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 15, 2023

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	3407 E MCELROY RD, STILLWATER, OK 74075-8652
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026980684
Date	May 25, 2022
Book Page	2698/684
Instrument	I-2022-006039

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank
Address	STILLWATER, OK 74074

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 15, 2047

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Sep 21, 2018
Property Address	3407 E MCELROY RD, STILLWATER, OK 74075-8652
Document Number	0024740510
Book / Page	002474 / 000510
Instrument Date	Sep 20, 2018
Instrument	11454
Transaction Type	Transfer
Record Updated	Oct 9, 2018
Title Company	OKLAHOMA CLOSING AND TITLE SERVICES

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1199 N AMANDA LN STILLWATER OK 740751972, STILLWATER, OK 74075-1972

Mortgage

Document Number	24740512
Date	Sep 21, 2018
Book Page	002474/000512
Instrument	11455

Lender

Name	FIRST NAT'L BK&TR/WEATHER
Type	Bank
Address	STILLWATER, OK 74074

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Payne County assessment roll, as of October 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,103.00 (+3.09%)	$20,485 (-) Land $4,172 Building $16,313
2024	$2,040.00 (+5.64%)	$20,485 (+5%) Land $4,172 Building $16,313	$186,160 (-2.03%) Land $37,920 Building $148,240
2023	$1,931.00 (+4.04%)	$19,509 (+5%) Land $3,893 Building $15,616	$190,020 (+9.9%) Land $37,920 Building $152,100
2022	$1,856.00	$18,580 Land $4,074 Building $14,506	$172,910 Land $37,920 Building $134,990

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

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
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	High above 76% of the US · above 46% of Oklahoma
Wildfire Likelihood	0.4% 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	51 EAST WATER serves 2,500 people · EPA ID OK3006003
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	3 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Centranet Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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