423 E McElroy Rd, Stillwater, OK 74075 Property Records

Payne County property record for 423 E McElroy Rd, Stillwater, OK 74075

Property Summary

Property Type	Commercial
Lot Size	5.3 acres (230,868 sqft)
Owner	Company Name on File
Tax Bill	$12,322 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`19N02E-14-1-SZ999-000-0027`

Property Details

APN / Parcel Number

Primary APN	`19N02E-14-1-SZ999-000-0027`
Alternative APNs	`600010741` `10741`

Exterior

Lot Area	230,868 sqft (5.3 acres)

Location & Zoning

Account Number	10741
Street Address	423 E MCELROY RD
City	STILLWATER
State	OK
Zip	74075
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MISC TR 14-19N-02E A-27 (5.3ACM/L) BEG 360'S & 208'W NE/C NE/4; N- 125' W-670.47' S-418.9' E-503.4' N-294.79' E-167.67' POB
Legal Range	02E
Legal Township	19N
Legal Section	14
Legal Subdivision	MISC TR STILLWATER
Legal Tract	14
Legal Lot Number	27
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	1
Census Block	1000
Census Tract	10501

Owner

Source: Payne County assessment roll, as of October 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	3 E PALMER PT, SPRING, TX 77381-4228
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Commercial Mortgage SOVEREIGN BANK
Oct 18, 2022	Warranty Deed, Transfer COMMUNITY ABSTRACT CORPORATION, COMMUNITY ESCROW & TITLE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 18, 2022
Deed Sale	Oct 18, 2022
Deed Document Number	I-2022-012271
Deed Book / Page	2723 / 194
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	423 E MCELROY RD, STILLWATER, OK 74075-3816
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E PALMER PT, SPRING, TX 77381-4228

Mortgage

Document Number	0028970471
Date	Oct 24, 2025
Book Page	2897/471
Instrument	I-2025-011820

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	821 E HIGHWAY ST, HOLDENVILLE, OK 74848

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	54 Months
Due	Apr 25, 2030

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Oct 18, 2022
Property Address	E MCELROY, STILLWATER, OK 74075
Document Number	0027230194
Book / Page	2723 / 194
Instrument Date	Oct 13, 2022
Instrument	I-2022-012271
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	COMMUNITY ABSTRACT CORPORATION, COMMUNITY ESCROW & TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E PALMER PT, SPRING, TX 77381-4228

Tax Assessment & Valuation

Source: Payne County assessment roll, as of October 1, 2025

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
2025	$12,322.00 (-0.47%)	$121,752 (-) Land $118,104 Building $3,648
2024	$12,380.00 (+1.63%)	$121,752 (+1.42%) Land $118,104 Building $3,648	$1,068,000 (+1.42%) Land $1,036,000 Building $32,000
2023	$12,181.00 (+0.4%)	$120,043 (+0.16%) Land $118,104 Building $1,939	$1,053,010 (+0.16%) Land $1,036,000 Building $17,010
2022	$12,133.00	$119,853 Land $118,104 Building $1,749	$1,051,350 Land $1,036,000 Building $15,350

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clarity Telecom Fiber	5,000 / 5,000
Optimum Communications Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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