450 Grayling Ln, Watson, OK 74963 Property Records

McCurtain County property record for 450 Grayling Ln, Watson, OK 74963

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,248 sqft · built 1968
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Feb 2010)
Tax Bill	$173 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0000-23-01S-26E-3-003-00`

Property Details

APN / Parcel Number

Primary APN	`0000-23-01S-26E-3-003-00`
Alternative APN	`820`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Account Number	820
Street Address	450 GRAYLING LN
City	WATSON
State	OK
Zip	74963-5076
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	NP
Legal Description	SEC. 23-1-26 B823/P583 S2S2NESW
Legal Range	26E
Legal Township	01S
Legal Section	23
Jurisdiction	MCCURTAIN OK
Township / Civil Division	NORTH MCCURTAIN
Census Block Group	2
Census Block	2038
Census Tract	98200

Owner

Source: McCurtain County records, as of May 21, 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	450 GRAYLING LN, WATSON, OK 74963-5076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2020	Deed of Trust, Mortgage · Commercial Mortgage DIAMOND BANK
Dec 17, 2025	Deed of Trust, Mortgage UNION BANK
Oct 8, 2015	Deed of Trust, Mortgage · ARM DIAMOND BANK
Feb 3, 2010	Warranty Deed, Transfer · Line of Credit THE UNION BANK OF MENA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2010 · Amount on Record
Deed Sale	Feb 3, 2010 · Amount on Record
Prior Sale	Aug 23, 2004 · Amount on Record
Deed Document Number	20102001-507505
Deed Book / Page	823 / 583
Prior Transfer Date	Feb 2, 2010
Prior Transfer Doc	00823/0583
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCURTAIN OK
Property Address	450 GRAYLING LN, WATSON, OK 74963-5076
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001038/974
Date	Mar 20, 2020
Book Page	1038/974
Instrument	2001-580941

Lender

Name	DIAMOND BANK
Type	Bank
Address	MENA, AR 71953

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2040

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCURTAIN OK
Property Address	450 GRAYLING LN, WATSON, OK 74963-5076
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001257/84
Date	Dec 17, 2025
Book Page	1257/84
Instrument	I-2025-638464

Lender

Name	UNION BANK
Type	Bank
Address	MENA, AR 71953

Agreement

Amount	Amount Recorded
Term	238 Months
Due	Oct 10, 2045

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCURTAIN OK
Property Address	450 GRAYLING LN, WATSON, OK 74963-5076
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000927/984
Date	Oct 8, 2015
Book Page	0927/984
Instrument	2001-545057

Lender

Name	DIAMOND BANK
Address	MENA, AR 71953

Agreement

Type	ARM
Amount	Amount Recorded
Term	118 Months
Due	Aug 20, 2025

Interest

Rate Type	Adjustable Rate
Rate	7.35%
Type Change Date	Aug 20, 2025
Change Frequency	Annually
Min Rate At Change	6.85%
Max Rate At Change	3.5%
Index	1-Year CMT
Max Rate	12.3%

February 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCURTAIN OK
Recording Date	Feb 3, 2010
Property Address	450 GRAYLING LN, WATSON, OK 74963-5076
Document Number	00823/0583
Book / Page	0823 / 0583
Instrument Date	Feb 2, 2010
Instrument	2001-507505
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	HC 15 BOX 2022, WATSON, OK 74963-9309

Mortgage

Document Number	2001507506
Date	Feb 3, 2010
Instrument	2001-507506

Lender

Name	THE UNION BANK OF MENA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 4, 2015

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	McCurtain County
Unified School District	Smithville Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$173.00 (+4.22%)	$2,126 (+6.09%) Land $473 Building $1,653	$35,649 (+36.58%) Land $13,640 Building $22,009
2023	$166.00	$2,004 Land $448 Building $1,556	$26,101 Land $5,837 Building $20,264

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 July 22, 2010

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 77% of the US · above 47% of Oklahoma
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
Pine Cellular Phones Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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