452500 E Hwy 85a, Bernice (Afton), OK 74331 Property Records

Delaware County property record for 452500 E Hwy 85a, Bernice, OK 74331

Property Summary

Property Type	Rural Home
Details	2 ba · 2,016 sqft · built 2011
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,500 (Dec 2025)
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Jun 2025 Second Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25N22E-34-1-00000-000-0000`

Property Details

APN / Parcel Number

Primary APN	`25N22E-34-1-00000-000-0000`
Alternative APNs	`0084118` `84118`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	784 sqft
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	84118
Street Address	452500 E HIGHWAY 85A
City	BERNICE
State	OK
Zip	74331-2742
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	34-25-22 BEG NW COR OF NW NE; E 930.7' ALONG N LINE OF NW NE, S 476.7', W 849.92', NW 23 DEG 215.57', N 276.64' ALONG W LINE
Legal Range	22E
Legal Township	25N
Legal Section	34
Jurisdiction	DELAWARE OK
Township / Civil Division	GROVE
Census Block Group	2
Census Block	2067
Census Tract	375803

Owner

Source: Delaware County records, as of February 10, 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	452500 E HIGHWAY 85A, BERNICE, OK 74331-2742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 12, 2025	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING
May 15, 2018	Warranty Deed, Transfer · FHA Mortgage RCB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	202511071
Deed Book / Page	2627 / 769
Prior Transfer Date	May 11, 2018
Prior Transfer Doc	002238/744
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	452500 E HIGHWAY 85A, BERNICE, OK 74331-2742
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002594/650
Date	Jun 4, 2025
Book Page	2594/650
Instrument	I-2025-004673

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	452500 E HIGHWAY 85A, BERNICE, OK 74331-2742
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002360/708
Date	Jan 19, 2021
Book Page	2360/708
Instrument	2021-000548

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2050

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Dec 12, 2025
Property Address	452500 E HIGHWAY 85A, BERNICE, OK 74331-2742
Document Number	002627/769
Book / Page	2627 / 769
Instrument Date	Dec 3, 2025
Instrument	I-2025-011071
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	LINEAR TITLE AND CLOSING, CLEAR TITLE & CLOSINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.25
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	453161 E HIGHWAY 85A, BERNICE, OK 74331-5205

Mortgage

Document Number	I2025011072
Date	Dec 12, 2025
Instrument	I-2025-011072

Lender

Name	CORNERSTONE HOME LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	May 15, 2018
Property Address	452500 E HIGHWAY 85A, BERNICE, OK 74331-2742
Document Number	002238/744
Book / Page	2238 / 744
Instrument Date	May 11, 2018
Instrument	2018-003527
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	452500 E HIGHWAY 85A, BERNICE, OK 74331-2742

Mortgage

Document Number	2018003528
Date	May 15, 2018
Instrument	2018-003528

Lender

Name	RCB BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Delaware County
Elementary School District	Cleora Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,084.00 (-0.14%) Homeowner's exemption	$26,515 (+3%) Land $2,152 Building $24,363	$292,136 (-) Land $23,750 Building $268,386
2024	$2,087.00 (+5.46%) Homeowner's exemption	$25,743 (+3%) Land $2,090 Building $23,653	$292,136 (+13.8%) Land $23,750 Building $268,386
2023	$1,979.00 Homeowner's exemption	$24,993 Land $2,028 Building $22,965	$256,708 Land $18,500 Building $238,208

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 September 13, 2019 · 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 Policies	2 in force

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 64% of Oklahoma
Wildfire Likelihood	0.4% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BOLT Fiber Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
The Junction Internet Fixed Wireless	100 / 20
Atlink Services Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

452500 E Hwy 85a, Bernice (Afton), OK 74331 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on E Hwy 85a

Nearby Streets

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