4520 Ashland, Duncan, OK 73533 Property Records

Stephens County property record for 4520 Ashland, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,645 sqft · built 1990
Lot Size	1.18 acres (51,653 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Nov 2019)
Deeds & Mortgages	Apr 2005 Mortgage Nov 2011 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18411`

Property Details

APN / Parcel Number

Primary APN	`18411`
Alternative APN	`1277-00-001-009-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,645 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1998
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,653 sqft (1.18 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	363 sqft
Balcony Area	174 sqft
Poultry House	Poultry House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18411
Street Address	4520 ASHLAND
City	DUNCAN
State	OK
Zip	73533-8986
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 1 LOT 9 HICKORY HILLS #3
Legal Range	07W
Legal Township	01N
Legal Section	18
Legal Subdivision	HICKORY HILL ADDN PRTIII
Legal Block	1
Legal Lot Number	9
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	3
Census Block	3080
Census Tract	800

Owner

4520 Ashland is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4520 ASHLAND, DUNCAN, OK 73533-8986
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2005	Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN CENTER INC
Nov 30, 2011	Deed of Trust, Mortgage · Conventional Mortgage SPIRITBANK
Nov 13, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2019 · Amount on File
Deed Sale	Nov 13, 2019 · Amount on File
Prior Sale	Dec 7, 1998 · Amount on File
Deed Document Number	201911294
Deed Book / Page	5744 / 50
Record Updated	Oct 29, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4520 ASHLAND, DUNCAN, OK 73533-8986
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	003127/147
Date	Apr 4, 2005
Book Page	3127/147
Instrument	73-3999

Lender

Name	HOME LOAN CENTER INC
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2035

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4520 ASHLAND, DUNCAN, OK 73533-8986
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004250/193
Date	Nov 30, 2011
Book Page	4250/193
Instrument	84-3409

Lender

Name	SPIRITBANK
Type	Bank
Address	OKLAHOMA CITY, OK 73120

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2041

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Nov 13, 2019
Property Address	4520 ASHLAND, DUNCAN, OK 73533-8986
Document Number	005744/050
Book / Page	5744 / 050
Instrument Date	Nov 12, 2019
Instrument	2019-011294
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	STEPHENS COUNTY ABSTRACT COMPANY, STEPHENS CO ABSTRACT CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 ASHLAND, DUNCAN, OK 73533-8986
Investor	Possibly a Property Investor

Mortgage

Document Number	2019011295
Date	Nov 13, 2019
Instrument	2019-011295

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

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
2026		$40,022 (+3%) Land $3,895 Building $36,127	$363,841 (+3%) Land $35,413 Building $328,428
2025	Homeowner's exemption	$38,856 Land $3,895 Building $34,961	$353,244 Land $35,413 Building $317,831
2023	Homeowner's exemption	$37,781 Land $3,895 Building $33,886	$368,802 Land $35,413 Building $333,389

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

FEMA maps place 4520 Ashland in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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

Wildfire risk around 4520 Ashland is high, ranking above 70% of the US, with a 0.3% annual chance of 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	DUNCAN PUBLIC UTILITIES AUTHORITY serves 23,000 people · EPA ID OK1010809
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2023 Haloacetic acids resolved · Jul 2017 Turbidity resolved · Dec 2016
Treatment and Procedure	Organic carbon removal Oct 2024
Monitoring and Reporting	6 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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