405 E 3rd St, Elk City, OK 73644 Property Records

Beckham County property record for 405 E 3rd St, Elk City, OK 73644

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,150 sqft · built 1980
Lot Size	0.107 acres (4,643 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Nov 2024)
Tax Bill	$2,533 (2025)
Deeds & Mortgages	Nov 2024 Sale Jan 2017 Line of Credit + 2 more
APN	`0005-00-015-006-0-000-01`

Property Details

APN / Parcel Number

Primary APN	`0005-00-015-006-0-000-01`
Alternative APN	`06108`

Interior

Stories	1 Story
Building Area	3,150 sqft Total Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Metal
Construction Type	Frame
Fire Resistance	Special
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	4,643 sqft (0.107 acres)
Lot Dimensions	50 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	06108
Street Address	405 E 3RD ST
City	ELK CITY
State	OK
Zip	73644-4719
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C1
Legal Description	ORIG, PT BLK 15 BEG NE CO R LOT 1 S 75';S 54 DEG 28'W 61.44';N 110.71'; E 50' TO POB
Legal Range	21W
Legal Township	11N
Legal Section	22
Legal Subdivision	ORIGINAL
Legal Block	15
Legal Lot Number	1
Jurisdiction	BECKHAM OK
Township / Civil Division	ELK CITY
Census Block Group	7
Census Block	7031
Census Tract	966100

Owner

Source: Beckham 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	2 Individual Names on Record
Mailing Address	PO BOX 2091, ELK CITY, OK 73648-2091
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2024	Warranty Deed, Transfer
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit INTERBANK
Jan 9, 2017	Deed of Trust, Mortgage · Commercial Mortgage INTERBANK
Oct 29, 2021	Warranty Deed, Transfer SECURITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2024 · Amount on Record
Deed Sale	Nov 13, 2024 · Amount on Record
Prior Sale	Oct 23, 2003 · Amount on Record
Deed Document Number	20243978
Deed Book / Page	2439 / 252
Record Updated	Oct 29, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BECKHAM OK
Recording Date	Nov 13, 2024
Property Address	ELK CITY, OK 73644
Document Number	002439/252
Book / Page	2439 / 252
Instrument Date	Nov 12, 2024
Instrument	I-2024-003978
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Tax	$360.00
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	PO BOX 2091, ELK CITY, OK 73648-2091
Investor	Possibly a Property Investor

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKHAM OK
Property Address	405 E 3RD ST, ELK CITY, OK 73644-4719
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02247/0934
Date	Jan 9, 2017
Book Page	2247/0934
Instrument	2017-000108

Lender

Name	INTERBANK
Type	Bank
Address	ELK CITY, OK 73644

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BECKHAM OK
Property Address	405 E 3RD ST, ELK CITY, OK 73644-4719
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02247/0942
Date	Jan 9, 2017
Book Page	2247/0942
Instrument	2017-000109

Lender

Name	INTERBANK
Type	Bank
Address	ELK CITY, OK 73644

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BECKHAM OK
Recording Date	Oct 29, 2021
Property Address	405 E 3RD ST, ELK CITY, OK 73644-4719
Document Number	002367/211
Book / Page	2367 / 211
Instrument Date	Oct 29, 2021
Instrument	2021-004857
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
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
Address	PO BOX 1751, ELK CITY, OK 73648-1751

Mortgage

Document Number	002367/769
Date	Nov 5, 2021
Book Page	2367/769
Instrument	2021-004968

Lender

Name	SECURITY STATE BANK
Type	Bank
Address	ELK CITY, OK 73644

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Sep 30, 2041

Tax Assessment & Valuation

Source: Beckham County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,696 (-21.19%) Land $1,671 Building $21,025	$189,138 (-21.19%) Land $13,929 Building $175,209
2025	$2,533.00 (+46.33%)	$28,799 (+54.34%) Land $1,671 Building $27,128
2024			$240,000 (+54.34%) Land $13,929 Building $226,071
2023	$1,731.00	$18,660 Land $557 Building $18,103	$155,500 Land $4,640 Building $150,860

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Oklahoma
Wildfire Likelihood	0.02% 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	ELK CITY serves 10,510 people · EPA ID OK2000501
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Bluepeak Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Plains Internet Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hudson Technology Solutions.

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