411 E 15th Ave, Stillwater, OK 74074 Property Records

Payne County property record for 411 E 15th Ave, Stillwater, OK 74074

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 684 sqft · built 1945
Lot Size	0.178 acres (7,758 sqft)
Owner	Individual Name on File
Tax Bill	$704 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19N02E-23-2-SL662-024-0001`

Property Details

APN / Parcel Number

Primary APN	`19N02E-23-2-SL662-024-0001`
Alternative APNs	`600019140` `19140`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	684 sqft Living Area
1st Floor Area	684 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Wood Shingle
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,758 sqft (0.178 acres)
Lot Dimensions	142 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19140
Street Address	411 E 15TH AVE
City	STILLWATER
State	OK
Zip	74074-5046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOWRY'S 2ND ADD BLK 24 LOTS 1-2
Legal Range	02E
Legal Township	19N
Legal Section	23
Legal Subdivision	LOWRY'S 2ND ADD
Legal Block	24
Legal Lot Number	1,2
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	3
Census Block	3023
Census Tract	10700

Owner

411 E 15th Ave is owned by an individual who acquired it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1423 S CHESTER ST, STILLWATER, OK 74074-5017
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	Name on Deed
Last Transfer Date	Feb 3, 2017
Transfer Doc	0023790962
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Dec 21, 2022
Property Address	411 E 15TH AVE, STILLWATER, OK 74074-5046
Document Number	0027310074
Book / Page	2731 / 74
Instrument Date	Dec 20, 2022
Instrument	I-2022-014494
Transaction Type	Transfer
Record Updated	Jan 5, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1423 S CHESTER ST, STILLWATER, OK 74074-5017

Mortgage

Document Number	I2022014495
Date	Dec 21, 2022
Instrument	I-2022-014495

Lender

Name	BANCFIRST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 411 E 15th Ave was $704, up 4.6% from the year before.

Source: Payne County assessment roll, as of February 6, 2026

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
2026		$7,295 (+10.25%) Land $3,050 Building $4,245	$63,993 Land $26,760 Building $37,233
2025	$704.00 (+4.61%)	$6,617 (-) Land $2,334 Building $4,283
2024	$673.00 (+5.32%)	$6,617 (+5.02%) Land $2,334 Building $4,283	$63,780 (+15.38%) Land $22,500 Building $41,280
2023	$639.00 (+10.36%)	$6,301 (+10.2%) Land $1,924 Building $4,377	$55,280 (-1.85%) Land $16,880 Building $38,400
2022	$579.00	$5,718 Land $2,132 Building $3,586	$56,320 Land $21,000 Building $35,320

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

Flood

FEMA maps place 411 E 15th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jun 1993 · river or lake flooding

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

The area around 411 E 15th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	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 534 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20