Pottawatomie County property record for 423 S 3rd St, Mcloud, OK 74851
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,350 sqft · built 1982 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Feb 2018) |
| Tax Bill | $936 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 630045568 |
| Primary APN | 630045568 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,350 sqft Living Area |
| Gross Area | 1,675 sqft |
| 1st Floor Area | 1,350 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Traditional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Garage Type | Attached |
| Garage Area | 325 sqft |
| Porch | Open Porch |
| Porch Area | 25 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 630045568 |
|---|---|
| Street Address | 423 S 3RD ST |
| City | MCLOUD |
| State | OK |
| Zip | 74851-8120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGH SCHOOL BLOCK 18 S20 LOT 8 & ALL LOT 9 |
| Legal Subdivision | HIGH SCHOOL BLOCK 18 S20 LOT 8 & ALL |
| Legal Block | 18 |
| Legal Lot Number | 8 |
| Jurisdiction | POTTAWATOMIE OK |
| Township / Civil Division | SHAWNEE |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 501005 |
Source: Pottawatomie County records, as of December 10, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 25, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage CHOCTAW HM FIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2018 · Amount on Record |
| Deed Sale | Feb 28, 2018 · Amount on Record |
| Prior Sale | Jun 5, 2014 |
| Deed Document Number | 20182148 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POTTAWATOMIE OK |
| Property Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2025 |
| Title Company | OKLAHOMA LAND TITLE SERVICES LLC, OKLAHOMA LAND TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Document Number | I2025011677 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | I-2025-011677 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POTTAWATOMIE OK |
| Property Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Document Number | I2024004354 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | I-2024-004354 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 287 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POTTAWATOMIE OK |
| Property Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Document Number | 0000000627 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 202300000627 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Mar 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POTTAWATOMIE OK |
| Recording Date | Feb 28, 2018 |
| Property Address | 423 S 3RD ST, MCLOUD, OK 74851-8120 |
| Document Number | 0000002148 |
| Instrument Date | Feb 8, 2018 |
| Instrument | 2148 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2018 |
| Title Company | OKLAHOMA CITY ABSTRACT AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 S 3RD ST MCLOUD OK 748518120, MCLOUD, OK 74851-8120 |
| Document Number | 2152 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 2152 |
| Name | CHOCTAW HM FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | HUGO, OK 74743 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 27, 2023 |
| Document Number | 2150, |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 2150 |
| Name | BANK2 CA |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2048 |
Source: Pottawatomie County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Pottawatomie County |
| Municipality | McLoud City |
| Unified School District | McLoud Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $936.00 (+2.52%) Homeowner's exemption | $11,290 (+3.01%) Land $744 Building $10,546 | $94,626 (-4.04%) Land $6,750 Building $87,876 |
| 2024 | $913.00 (+4.22%) Homeowner's exemption | $10,960 (+3%) Land $678 Building $10,282 | $98,606 (+11.2%) Land $6,750 Building $91,856 |
| 2023 | $876.00 Homeowner's exemption | $10,641 Land $630 Building $10,011 | $88,673 Land $5,250 Building $83,423 |
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.
Source: FEMA National Flood Hazard Layer, effective June 26, 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 | 6 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 42% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.3% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MCLOUD serves 2,939 people · EPA ID OK2006301 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 7 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 20 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Dobson Fiber Fiber | 10,000 / 10,000 |
| Vyve Broadband Cable | 2,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Atlink Services Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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