4420 Willow Rdg, Duncan, OK 73533 Property Records

Stephens County property record for 4420 Willow Rdg, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,930 sqft · built 1980
Lot Size	1.05 acres (45,972 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,579 (2023)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`18387`

Property Details

APN / Parcel Number

Primary APN	`18387`
Alternative APN	`1275-00-003-001-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,930 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,972 sqft (1.05 acres)
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	594 sqft
Porch	Slab
Porch Area	555 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18387
Street Address	4420 WILLOW RDG
City	DUNCAN
State	OK
Zip	73533-8954
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 3 LOT 1 HICKORY HILLS #1
Legal Range	07W
Legal Township	01N
Legal Section	18
Legal Subdivision	HICKORY HILL ADDITION
Legal Block	3
Legal Lot Number	1
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	3
Census Block	3081
Census Tract	800

Owner

Source: Stephens County records, as of March 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2017	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Sep 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 26, 2015	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 28, 2010	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO
Oct 3, 2016	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
May 4, 2006	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE HOME LOANS LLC
Oct 31, 2022	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Apr 12, 2016	Intrafamily Transfer, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2016
Deed Sale	Apr 12, 2016
Deed Document Number	2016933686
Deed Book / Page	5116 / 249
Last Transfer Date	Oct 21, 2022
Transfer Doc	006252/203
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005313/058
Date	Jun 16, 2017
Book Page	5313/058
Instrument	2017-956435

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Sep 1, 2046

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005864/102
Date	Sep 16, 2020
Book Page	5864/102
Instrument	2020-007581

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	TRUST MARK TITLE, TRUSTMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005012/100
Date	Aug 26, 2015
Book Page	5012/100
Instrument	2015-920172

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2045

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	NATIONS TITLE/OKC, NATIONS TITLE OF OKC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004064/121
Date	Oct 28, 2010
Book Page	4064/121
Instrument	81-9052

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2025

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005194/238
Date	Oct 3, 2016
Book Page	5194/238
Instrument	2016-939552

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2046

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003333/261
Date	May 4, 2006
Book Page	3333/261
Instrument	75-1696

Lender

Name	CAPITAL ONE HOME LOANS LLC
Type	Lending Institution
Address	OVERLAND PARK, KS 66213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2031

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STEPHENS OK
Recording Date	Oct 31, 2022
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Document Number	006252/203
Book / Page	6252 / 203
Instrument Date	Oct 21, 2022
Instrument	I-2022-011294
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	BCHH INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954

Mortgage

Document Number	I2022011295
Date	Oct 31, 2022
Instrument	I-2022-011295

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2016: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STEPHENS OK
Recording Date	Apr 12, 2016
Property Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954
Document Number	005116/249
Book / Page	5116 / 249
Instrument Date	Mar 16, 2016
Instrument	2016-933686
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4420 WILLOW RDG, DUNCAN, OK 73533-8954

Mortgage

Document Number	2016933687
Date	Apr 12, 2016
Instrument	2016-933687

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2046

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Stephens County
Municipality	Duncan City
Unified School District	Duncan Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$21,242 (+6.09%) Land $2,706 Building $18,536	$205,218 (-0.26%) Land $24,597 Building $180,621
2023	$1,579.00 Homeowner's exemption	$20,023 Land $2,706 Building $17,317	$205,744 Land $24,597 Building $181,147

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2007 · Severe Storms, Tornadoes, And Flooding

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.

Wildfire

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

Wildfire Risk	High above 70% of the US · lower than 66% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STEPHENS CO RWD #5 serves 6,426 people · EPA ID OK2006969
Water Source	Purchased surface water from DUNCAN PUBLIC UTILITIES AUTHORITY
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
360 Broadband Fixed Wireless	400 / 50

May also be available: Dobson Fiber, Verizon.

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