401 H St, Elgin, OK 73538 Property Records

Comanche County property record for 401 H St, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,413 sqft · built 1960
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$136,000 (Apr 2022)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04N10W-31-2-50000-037-0021`

Property Details

APN / Parcel Number

Primary APN	`04N10W-31-2-50000-037-0021`
Alternative APNs	`050000-0370021-00000` `160012764` `12764`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,413 sqft Living Area
1st Floor Area	1,413 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2021
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	231 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12764
Street Address	401 H ST
City	ELGIN
State	OK
Zip	73538-9251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELGIN BLK 37 S 70' OF LOTS 21-24
Legal Range	10W
Legal Township	04N
Legal Section	31
Legal Subdivision	ELGIN
Legal Block	37
Legal Lot Number	21-24
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHEAST COMANCHE
Census Block Group	1
Census Block	1052
Census Tract	2101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	401 H ST, ELGIN, OK 73538-9251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Nov 17, 2021	Warranty Deed, Transfer · Commercial Mortgage ALL AMERICA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Prior Sale	Nov 17, 2021 · Amount on Record
Deed Document Number	20227374
Deed Book / Page	9062 / 21
Prior Transfer Date	Nov 1, 2016
Prior Transfer Doc	007728/259
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Apr 28, 2022
Property Address	401 H ST, ELGIN, OK 73538-9251
Document Number	0009062/21
Book / Page	9062 / 21
Instrument Date	Apr 28, 2022
Instrument	2022-007374
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022007375
Date	Apr 28, 2022
Instrument	2022-007375

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Nov 17, 2021
Property Address	401 H ST, ELGIN, OK 73538-9251
Document Number	008930/316
Book / Page	8930 / 316
Instrument Date	Nov 12, 2021
Instrument	2021-021194
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	OKLAHOMA FAMILY TITLE LAWTON

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
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

Mortgage

Document Number	2021021195
Date	Nov 17, 2021
Instrument	2021-021195

Lender

Name	ALL AMERICA BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Comanche County assessment roll, as of January 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$15,727 (-) Land $1,575 Building $14,152	$139,798 (-) Land $14,000 Building $125,798
2025	$1,591.00	$15,727 (+0.58%) Land $1,575 Building $14,152	$139,798 (+0.59%) Land $14,000 Building $125,798
2024	$1,591.00 (+0.82%)	$15,636 (+3.53%) Land $2,363 Building $13,273	$138,984 (+3.53%) Land $21,000 Building $117,984
2023	$1,578.00	$15,103 Land $1,181 Building $13,922	$134,251 Land $10,500 Building $123,751

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 November 27, 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	Indirect within 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	ELGIN PWA serves 3,300 people · EPA ID OK2001610
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	65 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Southwest Oklahoma Telephone Company Fiber	1,000 / 750
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, TDS Telecom.

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