Cotton County property record for 431 E Virginia St, Walters, OK 73572
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,431 sqft · built 1976 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $705 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Sep 2015 Mortgage + 3 more |
| APN | 0028-00-030-031-0-035-00 |
| Primary APN | 0028-00-030-031-0-035-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,431 sqft Living Area |
| 1st Floor Area | 1,431 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,500 sqft (0.08 acres) |
| Lot Dimensions | 140 ft deep x 25 ft wide |
| Garage Type | Carport |
| Garage Area | 352 sqft |
| Carport | Carport |
| Carport Area | 352 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 92 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 6661 |
|---|---|
| Street Address | 431 E VIRGINIA ST |
| City | WALTERS |
| State | OK |
| Zip | 73572-2857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSS BLK 30 LOTS 31-32 |
| Legal Range | 11E |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | ROSS |
| Legal Block | 30 |
| Legal Lot Number | 31,32 |
| Jurisdiction | COTTON OK |
| Township / Civil Division | WALTERS |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 871100 |
Source: Cotton 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 | Individual Name on Record |
|---|---|
| Mailing Address | 406 W INDIANA ST, C2, WALTERS, OK 73572-3232 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2017 | Deed of Trust, Mortgage WALTERS BANK & TRUST CO |
| Sep 23, 2015 | Deed of Trust, Mortgage WALTERS BANK & TRUST CO |
| Jul 28, 2016 | Deed of Trust, Mortgage WALTERS BANK & TRUST CO |
| May 17, 2024 | Warranty Deed, Transfer · Line of Credit WALTERS BANK & TRUST CO |
| Mar 14, 2023 | Warranty Deed, Transfer · Commercial Mortgage WALTERS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTTON OK |
| Property Address | 431 E VIRGINIA ST, WALTERS, OK 73572-2857 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000405/252 |
|---|---|
| Date | Feb 10, 2017 |
| Book Page | 0405/252 |
| Instrument | 2017-001139 |
| Name | WALTERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WALTERS, OK 73572 |
| Amount | Amount Recorded |
|---|---|
| Term | 3 Months |
| Due | May 8, 2017 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTTON OK |
| Property Address | 431 E VIRGINIA ST, WALTERS, OK 73572-2857 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000397/110 |
|---|---|
| Date | Sep 23, 2015 |
| Book Page | 0397/110 |
| Instrument | 2015-002045 |
| Name | WALTERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WALTERS, OK 73572 |
| Amount | Amount Recorded |
|---|---|
| Term | 85 Months |
| Due | Oct 22, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COTTON OK |
| Property Address | 431 E VIRGINIA ST, WALTERS, OK 73572-2857 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000401/769 |
|---|---|
| Date | Jul 28, 2016 |
| Book Page | 0401/769 |
| Instrument | 2016-000844 |
| Name | WALTERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WALTERS, OK 73572 |
| Amount | Amount Recorded |
|---|---|
| Term | 85 Months |
| Due | Aug 5, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COTTON OK |
| Recording Date | May 17, 2024 |
| Property Address | 431 E VIRGINIA ST, WALTERS, OK 73572-2857 |
| Document Number | 000450/572 |
| Book / Page | 450 / 572 |
| Instrument Date | May 16, 2024 |
| Instrument | I-2024-000474 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 96, WALTERS, OK 73572-0096 |
| Document Number | 000450/575 |
|---|---|
| Date | May 17, 2024 |
| Book Page | 450/575 |
| Instrument | I-2024-000475 |
| Name | WALTERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WALTERS, OK 73572 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Jun 20, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COTTON OK |
| Recording Date | Mar 14, 2023 |
| Property Address | 431 E VIRGINIA ST, WALTERS, OK 73572-2857 |
| Document Number | 000443/535 |
| Book / Page | 443 / 535 |
| Instrument Date | Feb 23, 2023 |
| Instrument | I-2023-001249 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 217 E OKLAHOMA ST, WALTERS, OK 73572-1439 |
| Document Number | I2023001250 |
|---|---|
| Date | Mar 14, 2023 |
| Instrument | I-2023-001250 |
| Name | WALTERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 83 Months |
| Due | Feb 23, 2030 |
Source: Cotton County assessment roll, as of February 12, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Cotton County |
| Municipality | Walters City |
| Unified School District | Walters Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,212 (-13.09%) Land $247 Building $6,965 | $62,711 (-13.09%) Land $2,150 Building $60,561 | |
| 2025 | $705.00 (+0.14%) | $8,298 (+45.53%) Land $247 Building $8,051 | |
| 2024 | $704.00 (+41.65%) | $72,160 (-11.28%) Land $2,150 Building $70,010 | |
| 2023 | $497.00 | $5,702 Land $176 Building $5,526 | $81,338 Land $2,150 Building $79,188 |
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
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 92% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect 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 | WALTERS PUBLIC WORKS AUTHORITY serves 2,551 people · EPA ID OK1011305 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2017 |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 2 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 140 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nextlink Fixed Wireless | 1,000 / 1,000 |
| Southwest Oklahoma Telephone Company Cable | 250 / 250 |
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