428851 E 1090 Rd, Checotah, OK 74426 Property Records

McIntosh County property record for 428851 E 1090 Rd, Checotah, OK 74426

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,216 sqft · built 1998
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Feb 2024)
Tax Bill	$929 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`460008289`

Property Details

APN / Parcel Number

Primary APN	`460008289`
Alternative APN	`0000-10-11N-18E-4-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2022
Architectural Style	Modular
Exterior Material	Metal
Construction Type	Manufactured
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Carport	Carport
Carport Area	400 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Shed	1 Shed
Shed Area	140 sqft
Pole Barn	1,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	460008289
Street Address	428851 E 1090 RD
City	CHECOTAH
State	OK
Zip	74426-5387
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	E2 SW SE SE SEC 10-11-18 613/512 776/253 831/638 1155/134 11191/595
Legal Range	18E
Legal Township	11N
Legal Section	10
Legal Subdivision	UNPLATTED
Jurisdiction	MCINTOSH OK
Township / Civil Division	CHECOTAH
Census Block Group	1
Census Block	1033
Census Tract	779602

Owner

Source: McIntosh 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	Individual Name on File
Mailing Address	428851 E 1090 RD, CHECOTAH, OK 74426-5387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 10, 2023	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Sep 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2024 · Amount on Record
Deed Sale	Feb 13, 2024 · Amount on Record
Prior Sale	Sep 21, 2022 · Amount on Record
Deed Document Number	I-2024-000606
Deed Book / Page	1191 / 595
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH OK
Recording Date	Feb 13, 2024
Property Address	428851 E 1090 RD, CHECOTAH, OK 74426-5387
Document Number	001191/595
Book / Page	1191 / 595
Instrument Date	Feb 9, 2024
Instrument	I-2024-000606
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428851 E 1090 RD, CHECOTAH, OK 74426-5387

Mortgage

Document Number	I2024000607
Date	Feb 13, 2024
Instrument	I-2024-000607

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCINTOSH OK
Property Address	428851 E 1090 RD, CHECOTAH, OK 74426-5387
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428851 E 1090 RD, CHECOTAH, OK 74426-5387

Mortgage

Document Number	001167/313
Date	Mar 10, 2023
Book Page	1167/313
Instrument	I-2023-001078

Lender

Name	ARVEST BANK
Type	Bank
Address	MUSKOGEE, OK 74401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	57 Months
Due	Nov 30, 2027

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCINTOSH OK
Recording Date	Sep 21, 2022
Property Address	428851 E 1090 RD, CHECOTAH, OK 74426-5387
Document Number	001155/134
Book / Page	1155 / 134
Instrument Date	Sep 16, 2022
Instrument	I-2022-005364
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	SOVEREIGN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1356, WARNER, OK 74469-1356

Mortgage

Document Number	I2022005365
Date	Sep 21, 2022
Instrument	I-2022-005365

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Margin	3
Max Rate	10.1%

Tax Assessment & Valuation

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

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
2025	$929.00	$10,510 (+1.8%) Land $4,400 Building $6,110	$95,545 (+1.8%) Land $40,000 Building $55,545
2024	$929.00 (+17.15%)	$10,324 (+10.67%) Land $4,400 Building $5,924	$93,855 (+10.67%) Land $40,000 Building $53,855
2023	$793.00	$9,329 Land $4,400 Building $4,929	$84,807 Land $40,000 Building $44,807

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.

Flood

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

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

Wildfire Risk	High above 89% of the US · above 84% of Oklahoma
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
East Central Oklahoma Electric Cooperative Fiber	1,000 / 1,000
NBVDS Investment DSL	100 / 20

May also be available: T-Mobile USA.

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