402 H St, Elgin, OK 73538 Property Records

Comanche County property record for 402 H St, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,258 sqft · built 1930
Lot Size	0.482 acres (20,996 sqft)
Owner	Company Name on Record
Last Sale	$42,000 (Feb 2018)
Tax Bill	$847 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04N10W-31-2-50000-038-0013`

Property Details

APN / Parcel Number

Primary APN	`04N10W-31-2-50000-038-0013`
Alternative APNs	`050000-0380013-00000` `160012768` `12768`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,258 sqft Living Area
1st Floor Area	1,258 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,996 sqft (0.482 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	324 sqft
Canopy	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12768
Street Address	402 H ST
City	ELGIN
State	OK
Zip	73538-9251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELGIN BLK 38 LOTS 13-18
Legal Range	10W
Legal Township	04N
Legal Section	31
Legal Subdivision	ELGIN
Legal Block	38
Legal Lot Number	13-18
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHEAST COMANCHE
Census Block Group	1
Census Block	1043
Census Tract	2101

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 105, LAWTON, OK 73502-0105
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Commercial Mortgage SOVEREIGN BANK
May 16, 2018	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Feb 6, 2018	Special Warranty Deed, Transfer
Sep 5, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2018 · Amount on Record
Deed Sale	Feb 6, 2018 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	20181868
Deed Book / Page	7983 / 145
Prior Transfer Date	Aug 22, 2017
Prior Transfer Doc	007894/135
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMANCHE OK
Property Address	402 H ST, ELGIN, OK 73538-9251
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	SOVEREIGN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 HILLIARY LN, LAWTON, OK 73507-5304
Investor	Possibly a Property Investor

Mortgage

Document Number	010095/113
Date	Jan 30, 2026
Book Page	10095/113
Instrument	2026-001318

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	LAWTON, OK 73505

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 5, 2036

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMANCHE OK
Property Address	402 H ST, ELGIN, OK 73538-9251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8040/276
Date	May 16, 2018
Book Page	8040/276
Instrument	2018-007114

Lender

Name	ARVEST BANK
Type	Bank
Address	DUNCAN, OK 73533

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMANCHE OK
Property Address	402 H ST, ELGIN, OK 73538-9251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOVEREIGN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8206/175
Date	Mar 8, 2019
Book Page	8206/175
Instrument	2019-002964

Lender

Name	ARVEST BANK
Type	Bank
Address	LAWTON, OK 73505

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Feb 6, 2018
Property Address	402 H ST, ELGIN, OK 73538-9251
Document Number	007983/145
Book / Page	7983 / 145
Instrument Date	Jan 25, 2018
Instrument	2018-001868
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Tax	$63.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000
Investor	Possibly a Property Investor

September 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	COMANCHE OK
Recording Date	Sep 5, 2017
Property Address	402 H ST, ELGIN, OK 73538-9251
Document Number	007894/135
Book / Page	7894 / 135
Instrument Date	Aug 22, 2017
Instrument	2017-013368
Transaction Type	Foreclosure
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 422039, HOUSTON, TX 77242-4239

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		$8,795 (+4.99%) Land $3,599 Building $5,196	$78,186 (-26.67%) Land $31,995 Building $46,191
2025	$847.00 (-0.12%)	$8,377 (-) Land $3,428 Building $4,949	$106,626 (+0.68%) Land $33,000 Building $73,626
2024	$848.00 (+6.8%)	$8,377 (+10.25%) Land $3,356 Building $5,021	$105,904 (+56.8%) Land $37,000 Building $68,904
2023	$794.00	$7,598 Land $3,178 Building $4,420	$67,541 Land $28,250 Building $39,291

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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