403 E McElroy Rd, Stillwater, OK 74075 Property Records

Payne County property record for 403 E McElroy Rd, Stillwater, OK 74075

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,140 sqft · built 1955
Lot Size	0.719 acres (31,363 sqft)
Owner	Company Name on File
Last Sale	$310,000 (Apr 2022)
Tax Bill	$2,730 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19N02E-14-1-SZ999-000-0016`

Property Details

APN / Parcel Number

Primary APN	`19N02E-14-1-SZ999-000-0016`
Alternative APNs	`600010844` `10844`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,140 sqft Living Area
1st Floor Area	2,140 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1955
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.719 acres)
Lot Dimensions	185 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	440 sqft
Porch	Covered Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10844
Street Address	403 E MCELROY RD
City	STILLWATER
State	OK
Zip	74075-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MISC TR 14-19N-02E A-16 (.72ACM/L) BEG 160'E INTER N/L SEC 14 & E/L AT&SF RR ROW S-235.5' E-160' N-235.5' W-160' POB LESS STR
Legal Range	02E
Legal Township	19N
Legal Section	14
Legal Subdivision	MISC TR STILLWATER
Legal Tract	14
Legal Lot Number	16
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	1
Census Block	1000
Census Tract	10501

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	3 E PALMER PT, SPRING, TX 77381-4228
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Commercial Mortgage SOVEREIGN BANK
Apr 20, 2022	Warranty Deed, Transfer · Seller Carry-Back NICHOLS FAMILY TRUST
Sep 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 2022 · Amount on Record
Deed Sale	Apr 20, 2022 · Amount on Record
Deed Document Number	I-2022-004443
Deed Book / Page	2692 / 681
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	403 E MCELROY RD, STILLWATER, OK 74075-3816
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E PALMER PT, SPRING, TX 77381-4228

Mortgage

Document Number	0028970471
Date	Oct 24, 2025
Book Page	2897/471
Instrument	I-2025-011820

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	821 E HIGHWAY ST, HOLDENVILLE, OK 74848

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	54 Months
Due	Apr 25, 2030

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Apr 20, 2022
Property Address	403 E MCELROY RD, STILLWATER, OK 74075-3816
Document Number	0026920681
Book / Page	2692 / 681
Instrument Date	Apr 15, 2022
Instrument	I-2022-004443
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	COMMUNITY ABSTRACT CORPORATION, COMMUNITY ESCROW & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E PALMER PT, SPRING, TX 77381-4228

Mortgage

Document Number	I2022004444
Date	Apr 20, 2022
Instrument	I-2022-004444

Lender

Name	NICHOLS FAMILY TRUST
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2032

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PAYNE OK
Recording Date	Sep 10, 2019
Property Address	403 E MCELROY RD, STILLWATER, OK 74075-3816
Document Number	0025260356
Book / Page	002526 / 000356
Instrument Date	Sep 9, 2019
Instrument	9477
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	403 E MCELROY STILLWATER OK 74074, STILLWATER, OK 74074

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,730.00 (+4.56%)	$25,676 (-) Land $4,205 Building $21,471
2024	$2,611.00 (+5.24%)	$25,676 (+5%) Land $4,205 Building $21,471	$236,310 (+10.16%) Land $38,700 Building $197,610
2023	$2,481.00 (+32.89%)	$24,454 (+32.62%) Land $4,411 Building $20,043	$214,510 (+29.14%) Land $38,700 Building $175,810
2022	$1,867.00	$18,439 Land $4,296 Building $14,143	$166,110 Land $38,700 Building $127,410

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 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	Not rated no burnable land within ember reach

Drinking Water

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

Water System	STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Oct 2022
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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clarity Telecom Fiber	5,000 / 5,000
Optimum Communications Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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