427708 E 1085 Rd, Checotah, OK 74426 Property Records

McIntosh County property record for 427708 E 1085 Rd, Checotah, OK 74426

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,040 sqft · built 1993
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Deeds & Mortgages	May 2026 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`460008275`

Property Details

APN / Parcel Number

Primary APN	`460008275`
Alternative APN	`0000-09-11N-18E-1-010-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Modular
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	460008275
Street Address	427708 E 1085 RD
City	CHECOTAH
State	OK
Zip	74426-5359
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NW NW SE, SW SW NE SEC.9-11-18 390/215 357/237 1204/251
Legal Range	18E
Legal Township	11N
Legal Section	09
Jurisdiction	MCINTOSH OK
Township / Civil Division	CHECOTAH
Census Block Group	1
Census Block	1042
Census Tract	779602

Owner

427708 E 1085 Rd, a rural home, is owned and occupied by an individual who acquired it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	427708 E 1085 RD, CHECOTAH, OK 74426-5359
Occupancy	Owner Occupied
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

Date	Document
May 14, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 20, 2022	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Mar 18, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 10, 2024
Transfer Doc	001204/251
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH OK
Recording Date	May 14, 2026
Property Address	427708 E 1085 RD, CHECOTAH, OK 74426-5359
Document Number	0000002201
Book / Page	1263 / 290
Instrument Date	May 8, 2026
Instrument	20262201
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRUST MARK TITLE, TRUSTMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427708 E 1085 RD, CHECOTAH, OK 74426-5359

Mortgage

Document Number	0000002201,
Date	May 14, 2026
Book Page	1263/290
Instrument	20262201

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH OK
Property Address	427708 E 1085 RD, CHECOTAH, OK 74426-5359
Transaction Type	Mortgage
Record Updated	Feb 1, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001132/429
Date	Jan 20, 2022
Book Page	1132/429
Instrument	I-2022-000332

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH OK
Property Address	427708 E 1085 RD, CHECOTAH, OK 74426-5359
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1054/427
Date	Mar 18, 2019
Book Page	1054/427
Instrument	2019-001209

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: McIntosh County assessment roll, as of January 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	McIntosh County
Unified School District	Checotah Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,452 (+2.98%) Land $272 Building $2,180	$22,288 (-48.58%) Land $2,473 Building $19,815
2025	Homeowner's exemption	$2,381 Land $264 Building $2,117	$43,347 Land $3,122 Building $40,225
2023	Homeowner's exemption	$2,311 Land $276 Building $2,035	$26,101 Land $3,122 Building $22,979

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

Flood

FEMA maps place 427708 E 1085 Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 15, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 427708 E 1085 Rd is high, ranking above 84% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 68% of Oklahoma
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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	MCINTOSH CO. RWD #5 serves 1,900 people · EPA ID OK3004939
Water Source	Purchased surface water from CHECOTAH PWA
Last State Inspection	Mar 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2025
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ecoLink Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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