4610 Willow Rdg, Duncan, OK 73533 Property Records

Stephens County property record for 4610 Willow Rdg, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,342 sqft · built 1988
Lot Size	1.4 acres (60,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Sep 2021)
Tax Bill	$2,332 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Aug 2005 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18401`

Property Details

APN / Parcel Number

Primary APN	`18401`
Alternative APN	`1276-00-002-003-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,342 sqft Living Area
Gross Area	2,198 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,976 sqft (1.4 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Deck Area	216 sqft
Shed	1 Shed
Shed Area	108 sqft
Guest House	342 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18401
Street Address	4610 WILLOW RDG
City	DUNCAN
State	OK
Zip	73533-8990
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 2 LOT 3 HICKORY HILLS #2
Legal Range	07W
Legal Township	01N
Legal Section	18
Legal Subdivision	HICKORY HILL ADDN PRT II
Legal Block	2
Legal Lot Number	3
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	3
Census Block	3081
Census Tract	800

Owner

Source: Stephens 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	2 Individual Names on Record
Mailing Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2018	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Aug 24, 2005	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL FEDERAL BANK
Apr 11, 2012	Deed of Trust, Mortgage · VA Mortgage BANK OF COMMERCE
Sep 27, 2021	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Oct 23, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Prior Sale	Oct 23, 2019 · Amount on Record
Deed Document Number	20219395
Deed Book / Page	6044 / 275
Prior Transfer Date	Aug 12, 2015
Prior Transfer Doc	0000919631
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005511/107
Date	Jul 6, 2018
Book Page	5511/107
Instrument	2018-007003

Lender

Name	ARVEST BANK
Type	Bank
Address	DUNCAN, OK 73533

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003208/221
Date	Aug 24, 2005
Book Page	3208/221
Instrument	74-1268

Lender

Name	COMMERCIAL FEDERAL BANK
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2035

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004324/241
Date	Apr 11, 2012
Book Page	4324/241
Instrument	85-5260

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	DUNCAN, OK 73533

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2042

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STEPHENS OK
Recording Date	Sep 27, 2021
Property Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Document Number	006044/275
Book / Page	6044 / 275
Instrument Date	Aug 13, 2021
Instrument	2021-009395
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	NATIONS TITLE/OKC, NATIONS TITLE OF OKC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
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
Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990

Mortgage

Document Number	2021009396
Date	Sep 27, 2021
Instrument	2021-009396

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Oct 23, 2019
Property Address	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Document Number	005733/251
Book / Page	5733 / 251
Instrument Date	Oct 22, 2019
Instrument	2019-010617
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
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	4610 WILLOW RDG, DUNCAN, OK 73533-8990
Investor	Possibly a Property Investor

Mortgage

Document Number	2019010618
Date	Oct 23, 2019
Instrument	2019-010618

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$27,221 (-1.52%) Land $2,871 Building $24,350	$247,459 (-1.53%) Land $26,098 Building $221,361
2025	$2,332.00	$27,642 (-1.52%) Land $2,871 Building $24,771	$251,296 (-1.52%) Land $26,098 Building $225,198
2024	$2,332.00 (-2.55%)	$28,070 (+0.43%) Land $2,871 Building $25,199	$255,183 (+0.43%) Land $26,098 Building $229,085
2023	$2,393.00	$27,951 Land $2,871 Building $25,080	$254,097 Land $26,098 Building $227,999

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 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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