413 Obsidian Dr, Elgin, OK 73538 Property Records

Comanche County property record for 413 Obsidian Dr, Elgin, OK 73538

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,043 sqft · built 2011
Lot Size	0.77 acres (33,575 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jun 2026)
Tax Bill	$2,810 (2023)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04N10W-29-1-50500-001-0007`

Property Details

APN / Parcel Number

Primary APN	`04N10W-29-1-50500-001-0007`
Alternative APNs	`050500-0010007-00000` `96935`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,043 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
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	33,575 sqft (0.77 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	453 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	96935
Street Address	413 OBSIDIAN DR
City	ELGIN
State	OK
Zip	73538-3822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW RIDGE ESTATES PT 1 BLOCK 1 LOT 7
Legal Range	10W
Legal Township	04N
Legal Section	29
Legal Subdivision	SHADOW RIDGE ESTATES
Legal Block	1
Legal Lot Number	7
Jurisdiction	COMANCHE OK
Township / Civil Division	NORTHEAST COMANCHE
Census Block Group	2
Census Block	2028
Census Tract	2101

Owner

413 Obsidian Dr is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	413 OBSIDIAN DR, ELGIN, OK 73538-3822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jun 15, 2026	Warranty Deed, Transfer · VA Mortgage FIRST FEDERAL BANK
Mar 2, 2026	Deed of Trust, Mortgage · Line of Credit ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	Feb 3, 2012 · Amount on File
Deed Document Number	20269450
Deed Book / Page	10227 / 294
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COMANCHE OK
Recording Date	Jun 15, 2026
Property Address	413 OBSIDIAN DR, ELGIN, OK 73538-3822
Document Number	0000009450
Book / Page	10227 / 294
Instrument Date	May 8, 2026
Instrument	20269450
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	ALLIANT NATIONAL TITLE INSURANCE COMPANY, ALLIANT NATIONAL TITLE INSURAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,267.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 OBSIDIAN DR, ELGIN, OK 73538-3822

Mortgage

Document Number	0000009451,
Date	Jun 15, 2026
Instrument	20269451

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COMANCHE OK
Property Address	413 OBSIDIAN DR, ELGIN, OK 73538-3822
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 OBSIDIAN DR, ELGIN, OK 73538-3822

Mortgage

Document Number	010122/293
Date	Mar 2, 2026
Book Page	10122/293
Instrument	2026-002954

Lender

Name	ARVEST BANK
Type	Bank
Address	OVERLAND PARK, KS 66223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 3, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$29,395 (+3%) Land $3,587 Building $25,808	$261,286 (-14.86%) Land $31,882 Building $229,404
2025	Homeowner's exemption	$28,538 Land $3,482 Building $25,056	$306,889 Land $42,500 Building $264,389
2023	$2,810.00	$26,900 Land $3,150 Building $23,750	$278,007 Land $28,000 Building $250,007

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 413 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 413 Obsidian Dr is high, ranking above 77% 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 77% of the US · above 49% of Oklahoma
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ELGIN PWA serves 3,300 people · EPA ID OK2001610
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	65 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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