403 SW 2nd St, Checotah, OK 74426 Property Records

McIntosh County property record for 403 SW 2nd St, Checotah, OK 74426

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,956 sqft · built 1939
Lot Size	0.416 acres (18,121 sqft)
Owner	2 Individual Names on File
Tax Bill	$486 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`460026303`

Property Details

APN / Parcel Number

Primary APN	`460026303`
Alternative APN	`2001-00-094-001-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,956 sqft Living Area
1st Floor Area	1,164 sqft
2nd Floor Area	792 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,121 sqft (0.416 acres)
Garage Type	Detached
Garage Area	1,708 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	60 sqft
Patio Area	72 sqft
Lean-To	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	460026303
Street Address	403 SW 2ND ST
City	CHECOTAH
State	OK
Zip	74426-4603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & N30' OF LOT 2, BLK.94 OT-CHECOTAH 369/613 840/88 882/586 883/45
Legal Range	17E
Legal Township	12N
Legal Section	32
Legal Subdivision	CHECOTAH
Legal Block	94
Legal Lot Number	1,2
Jurisdiction	MCINTOSH OK
Township / Civil Division	CHECOTAH
Census Block Group	1
Census Block	1038
Census Tract	779700

Owner

403 SW 2nd St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 SW 2ND ST, CHECOTAH, OK 74426-4603
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH OK
Property Address	403 SW 2ND ST, CHECOTAH, OK 74426-4603
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SW 2ND ST, CHECOTAH, OK 74426-4603

Mortgage

Document Number	001176/228
Date	Jul 24, 2023
Book Page	1176/228
Instrument	I-2023-003245

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank
Address	CHECOTAH, OK 74426

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	Sep 18, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 403 SW 2nd St was $486 with a homeowner's exemption, down 0.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$6,702 (+3%) Land $925 Building $5,777	$60,924 (-66.81%) Land $8,408 Building $52,516
2025	$486.00 (-0.21%) Homeowner's exemption	$6,507 (+0.02%) Land $898 Building $5,609	$183,588 (+17.76%) Land $26,942 Building $156,646
2024	$487.00 (+11.44%) Homeowner's exemption	$6,506 (+6.08%) Land $890 Building $5,616	$155,904 (+6.48%) Land $17,434 Building $138,470
2023	$437.00 Homeowner's exemption	$6,133 Land $854 Building $5,279	$146,414 Land $17,434 Building $128,980

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 403 SW 2nd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective May 15, 2019 · 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 Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · rainfall accumulation

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 403 SW 2nd St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	MCINTOSH CO. RWD #3 (VICTOR) serves 920 people · EPA ID OK3004903
Water Source	Purchased surface water from CHECOTAH PWA
Last State Inspection	May 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Cross Wireless Fiber	1,000 / 500
Vyve Broadband Cable	1,000 / 50