Stephens County property record for 422 4th St, Velma, OK 73491
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,677 sqft · built 1970 |
| Lot Size | 0.676 acres (29,449 sqft) |
| Owner | Individual Name on File |
| Last Sale | $88,000 (Sep 2013) |
| Tax Bill | $686 (2025) |
| Deeds & Mortgages | Feb 2009 Mortgage Nov 2005 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28676 |
| Primary APN | 28676 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,677 sqft Living Area |
| Gross Area | 1,596 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 29,449 sqft (0.676 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 160 sqft |
| Deck Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 28676 |
|---|---|
| Street Address | 422 4TH ST |
| City | VELMA |
| State | OK |
| Zip | 73491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WILDHORSE BLK 1 W1/2 LT 12 & LT 13 |
| Legal Range | 05W |
| Legal Township | 01S |
| Legal Section | 24 |
| Legal Subdivision | WILDHORSE ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 12,13 |
| Jurisdiction | STEPHENS OK |
| Township / Civil Division | VELMA-ALMA |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 1000 |
422 4th St is owned by an individual who bought it in September 2013.
Source: Stephens County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 335, VELMA, OK 73491-0335 |
| 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.
| Date | Document |
|---|---|
| Feb 23, 2009 | Deed of Trust, Mortgage · Conventional Mortgage ARVEST MORTGAGE CO |
| Nov 16, 2005 | Intrafamily Transfer, Transfer · Stand-Alone First Mortgage ARVEST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2013 · Amount on File |
| Deed Sale | Sep 6, 2013 · Amount on File |
| Prior Sale | Jun 15, 2004 · Amount on File |
| Deed Book / Page | 4607 / 57 |
| Prior Transfer Date | Nov 9, 2005 |
| Prior Transfer Doc | 003253/247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEPHENS OK |
| Property Address | 422 4TH ST, VELMA, OK 73491 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE |
| Name | Verified Name |
|---|
| Document Number | 003833/095 |
|---|---|
| Date | Feb 23, 2009 |
| Book Page | 3833/095 |
| Instrument | 79-5305 |
| Name | ARVEST MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | LOWELL, AR 72745 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2039 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | STEPHENS OK |
| Recording Date | Nov 16, 2005 |
| Property Address | 422 4TH ST, VELMA, OK 73491 |
| Document Number | 003253/247 |
| Book / Page | 3253 / 247 |
| Instrument Date | Nov 9, 2005 |
| Instrument | 74-5145 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 003253/248 |
|---|---|
| Date | Nov 16, 2005 |
| Book Page | 3253/248 |
| Instrument | 74-5146 |
| Name | ARVEST BANK |
|---|---|
| Type | Bank |
| Address | DUNCAN, OK 73534 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 422 4th St was $686.
Source: Stephens County assessment roll, as of March 23, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Stephens County |
| Municipality | Velma Town |
| Unified School District | Velma-Alma Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,217 (+2.07%) Land $544 Building $8,673 | $83,789 (+2.06%) Land $4,945 Building $78,844 | |
| 2025 | $686.00 | $9,030 (-9.28%) Land $544 Building $8,486 | $82,094 (-9.27%) Land $4,945 Building $77,149 |
| 2024 | $686.00 (-9.02%) | $9,954 (+1.71%) Land $544 Building $9,410 | $90,484 (+1.7%) Land $4,945 Building $85,539 |
| 2023 | $754.00 | $9,787 Land $544 Building $9,243 | $88,972 Land $4,945 Building $84,027 |
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.
FEMA maps place 422 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 (1979) |
| Most Recent Claim | Sep 1979 · 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 risk around 422 4th St is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · lower than 72% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| 360 Broadband Fixed Wireless | 200 / 50 |
| Windstream DSL | 100 / 3 |
| Rise Broadband Fixed Wireless | 50 / 10 |
| AT&T Fixed Wireless | 25 / 3 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures