402 Obsidian Dr, Elgin, OK 73538 Property Records

Comanche County property record for 402 Obsidian Dr, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,975 sqft · built 2011
Lot Size	0.825 acres (35,973 sqft)
Owner	2 Individual Names on File
Last Sale	$270,500 (Oct 2021)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04N10W-29-1-50500-004-0002`

Property Details

APN / Parcel Number

Primary APN	`04N10W-29-1-50500-004-0002`
Alternative APNs	`050500-0040002-00000` `96949`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,975 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	35,973 sqft (0.825 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	96949
Street Address	402 OBSIDIAN DR
City	ELGIN
State	OK
Zip	73538-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW RIDGE ESTATES PT 1 BLOCK 4 LOT 2
Legal Range	10W
Legal Township	04N
Legal Section	29
Legal Subdivision	SHADOW RIDGE ESTATES
Legal Block	4
Legal Lot Number	2
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHEAST COMANCHE
Census Block Group	2
Census Block	2028
Census Tract	2101

Owner

402 Obsidian Dr is owned and occupied by two individuals who bought it in October 2021.

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	2 Individual Names on File
Mailing Address	402 OBSIDIAN DR, ELGIN, OK 73538-3821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 8, 2020	Warranty Deed, Transfer · VA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on File
Deed Sale	Oct 4, 2021 · Amount on File
Prior Sale	Jan 8, 2020 · Amount on File
Deed Document Number	202118307
Deed Book / Page	8890 / 84
Prior Transfer Date	Jun 22, 2011
Prior Transfer Doc	06446/0210
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Oct 4, 2021
Property Address	402 OBSIDIAN DR, ELGIN, OK 73538-3821
Document Number	8890/84
Book / Page	8890 / 84
Instrument Date	Oct 1, 2021
Instrument	2021-018307
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.75
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	402 OBSIDIAN DR, ELGIN, OK 73538-3821

Mortgage

Document Number	2021018308
Date	Oct 4, 2021
Instrument	2021-018308

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Jan 8, 2020
Property Address	402 OBSIDIAN DR, ELGIN, OK 73538-3821
Document Number	008397/122
Book / Page	8397 / 122
Instrument Date	Dec 30, 2019
Instrument	2020-000312
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 OBSIDIAN DR, ELGIN, OK 73538-3821

Mortgage

Document Number	2020000313
Date	Jan 8, 2020
Instrument	2020-000313

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

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		$35,977 (+3%) Land $7,260 Building $28,717	$319,796 (-7.06%) Land $64,533 Building $255,263
2025	Homeowner's exemption	$34,929 Land $4,197 Building $30,732	$344,073 Land $42,500 Building $301,573
2023	Homeowner's exemption	$32,924 Land $3,150 Building $29,774	$292,660 Land $28,000 Building $264,660

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

FEMA maps place 402 Obsidian Dr in Zone X, an area of minimal flood risk.

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	7 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 402 Obsidian Dr is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 51% of Oklahoma
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	CADDO CO RWD #3 serves 3,900 people · EPA ID OK2000816
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	1,000 / 1,000
Southwest Oklahoma Telephone Company Fiber · Cable in parts of the area	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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