Garfield County property record for 428 Francis St, Enid, OK 73703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,544 sqft · built 1965 |
| Lot Size | 0.258 acres (11,274 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,502 (2025) |
| Deeds & Mortgages | May 2022 Mortgage May 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 13388 |
| Primary APN | 13388 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,544 sqft Living Area |
| 1st Floor Area | 1,544 sqft |
| Storm Shelter | Storm Shelter |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,274 sqft (0.258 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 100 sqft |
| Patio Area | 384 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 13388 |
|---|---|
| Street Address | 428 FRANCIS ST |
| City | ENID |
| State | OK |
| Zip | 73703-4930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLOCK 5 SD-E57 NEILSON PLACE 5TH ADDN SW/4 11-22-7 |
| Legal Range | 07W |
| Legal Township | 22N |
| Legal Section | 11 |
| Legal Subdivision | NEILSON PLACE 5TH |
| Legal Block | 5 |
| Legal Lot Number | 5 |
| Jurisdiction | GARFIELD OK |
| Township / Civil Division | ENID |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1402 |
Source: Garfield County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 428 FRANCIS ST, ENID, OK 73703-4930 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| May 5, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 2, 2023 |
| Transfer Doc | 002624/472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARFIELD OK |
| Property Address | 428 FRANCIS ST, ENID, OK 73703-4930 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Title Company | NATIONS TITLE/OKC, NATIONS TITLE OF OKC |
| Name | Verified Name |
|---|
| Document Number | 002584/215 |
|---|---|
| Date | May 9, 2022 |
| Book Page | 2584/215 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 1, 2032 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GARFIELD OK |
| Recording Date | May 5, 2023 |
| Property Address | 428 FRANCIS ST, ENID, OK 73703-4930 |
| Document Number | 002624/472 |
| Book / Page | 2624 / 472 |
| Instrument Date | May 2, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 428 FRANCIS ST, ENID, OK 73703-4930 |
Source: Garfield County assessment roll, as of March 10, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Garfield County |
| Municipality | Enid City |
| Unified School District | Enid Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,365 (+3%) Land $3,219 Building $12,146 | $122,922 (+3%) Land $25,750 Building $97,172 | |
| 2025 | $1,502.00 (-5%) Homeowner's exemption | $14,918 (-6.69%) Land $3,125 Building $11,793 | $119,342 (-8.68%) Land $25,000 Building $94,342 |
| 2023 | $1,581.00 Homeowner's exemption | $15,987 Land $2,480 Building $13,507 | $130,680 Land $20,000 Building $110,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · 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 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 1980 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | ENID serves 49,347 people · EPA ID OK2002412 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2022 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Dobson Fiber Fiber | 10,000 / 10,000 |
| Bluepeak Fiber | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
| AT&T Fixed Wireless | 100 / 20 |
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