3605 E 78th St N, Wagoner, OK 74467 Property Records

Wagoner County property record for 3605 E 78th St N, Wagoner, OK 74467

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,026 sqft · built 1979
Lot Size	5.01 acres (218,410 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Sep 2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012520-000008-000000`

Property Details

APN / Parcel Number

Primary APN	`012520-000008-000000`
Alternative APNs	`730031920` `0031920` `31920`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,026 sqft Living Area
1st Floor Area	1,688 sqft
Utility Area	136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Traditional
Exterior Material	Aluminum Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	218,410 sqft (5.01 acres)
Garage Type	Carport
Garage Area	462 sqft
Carport	Carport
Carport Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	505 sqft
Porch	Slab
Porch Area	1,239 sqft
Deck Area	164 sqft
Patio Area	332 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31920
Street Address	3605 E 78TH ST N
City	WAGONER
State	OK
Zip	74467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OKAY ACRES SUB LOT 6: LOT 8 (1.26 AC): LOT 10 (2.92 AC)
Legal Range	19E
Legal Township	16N
Legal Section	20
Legal Subdivision	OKAY ACRES SUB
Legal Lot Number	6,8,10
Jurisdiction	WAGONER OK
Township / Civil Division	WAGONER
Census Block Group	3
Census Block	3004
Census Tract	30202

Owner

Source: Wagoner County assessment roll, as of February 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3605 E 78TH ST N, OKAY, OK 74446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Sep 24, 2025	Warranty Deed, Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO
Jul 13, 2022	Warranty Deed, Transfer
Apr 10, 2019	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Oct 30, 2017	Deed, Transfer · FHA Mortgage US MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	202513605
Deed Book / Page	3113 / 282
Prior Transfer Date	Jun 21, 2022
Prior Transfer Doc	0000011129
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAGONER OK
Property Address	3605 E 78TH ST N, WAGONER, OK 74467
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004191
Date	Mar 8, 2021
Book Page	2669/0263
Instrument	2021-04191

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAGONER OK
Recording Date	Sep 24, 2025
Property Address	3605 E 78TH ST N, WAGONER, OK 74467
Document Number	0000013605
Book / Page	3113 / 282
Instrument Date	Sep 18, 2025
Instrument	2025-13605
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABSTRACT & TTL CO OF

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$352.50
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	PO BOX 285, GROTTOES, VA 24441-0285

Mortgage

Document Number	0000013606
Date	Sep 24, 2025
Instrument	2025-13606

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAGONER OK
Recording Date	Jul 13, 2022
Property Address	3605 E 78TH ST N, WAGONER, OK 74467
Document Number	0000011129
Book / Page	2819 / 0417
Instrument Date	Jun 21, 2022
Instrument	2022-11129
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 E 78TH ST N, OKAY, OK 74446

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAGONER OK
Property Address	3605 E 78TH ST N, WAGONER, OK 74467
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004007
Date	Apr 10, 2019
Book Page	2492/0692
Instrument	2019-04007

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WAGONER OK
Recording Date	Oct 30, 2017
Property Address	3605 E 78TH ST N, WAGONER, OK 74467
Document Number	0000014310
Instrument Date	Oct 25, 2017
Instrument	2017-14310
Transaction Type	Transfer
Record Updated	Mar 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 E 78 ST N, OKAY, OK 74446

Mortgage

Document Number	0000014311
Date	Oct 30, 2017
Instrument	2017-14311

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Wagoner County assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Wagoner County
Unified School District	Okay Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$21,897 (+3%) Land $3,425 Building $18,472	$268,746 (-0.14%) Land $30,577 Building $238,169
2024	Homeowner's exemption	$21,259 (+3%) Land $3,425 Building $17,834	$269,126 (+8.83%) Land $30,577 Building $238,549
2023	Homeowner's exemption	$20,640 Land $3,425 Building $17,215	$247,292 Land $30,577 Building $216,715

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 December 17, 2025 · 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	1 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	Moderate above 65% of the US · lower than 72% of Oklahoma
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WAGONER CO. RWD #7 (NEW) serves 1,110 people · EPA ID OK1221626
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026 Treatment failure resolved · Mar 2024 Haloacetic acids resolved · Jan 2020
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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