463889 E 828 Rd, Stilwell, OK 74960 Property Records

Adair County property record for 463889 E 828 Rd, Stilwell, OK 74960

Property Summary

Property Type	Rural Home
Details	5 bd · 3 ba · 4,344 sqft · built 2003
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2023)
Tax Bill	$3,599 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0000-33-016-024-0-008-00`

Property Details

APN / Parcel Number

Primary APN	`0000-33-016-024-0-008-00`
Alternative APN	`4108`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,344 sqft Living Area
Gross Area	3,892 sqft
1st Floor Area	1,344 sqft
Upper Floors Area	1,428 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Porch	Slab
Porch Area	940 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4108
Street Address	463889 E 828 RD
City	STILWELL
State	OK
Zip	74960-4935
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	TM
Legal Description	E2 NE SE WITH A EASEMENT OVER & ACCROSS S 20'OF SE NW SE & SW NE SE FOR ROAD EXCEPT N 10' OF S 20' OF E 210' OF W 262.96' OF
Legal Range	24E
Legal Township	16N
Legal Section	33
Jurisdiction	ADAIR OK
Township / Civil Division	STILWELL WEST
Census Block Group	4
Census Block	4018
Census Tract	376800

Owner

463889 E 828 Rd, a rural home, is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	463889 E 828 RD, STILWELL, OK 74960-4935
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
Dec 6, 2024	Deed of Trust, Mortgage ARKANSAS FCU
Jul 19, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Feb 5, 2021	Warranty Deed, Transfer · Conventional Mortgage GREEN COUNTRY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Feb 5, 2021 · Amount on File
Deed Document Number	20232191
Deed Book / Page	610 / 594
Prior Transfer Date	Dec 31, 2020
Prior Transfer Doc	0000000038
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR OK
Property Address	463889 E 828 RD, STILWELL, OK 74960-4935
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000629/34
Date	Dec 6, 2024
Book Page	629/34
Instrument	I-2024-003522

Lender

Name	ARKANSAS FCU
Type	Credit Union
Address	PO BOX 24410, LITTLE ROCK, AR 72221

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 26, 2044

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Jul 19, 2023
Property Address	463889 E 828 RD, STILWELL, OK 74960-4935
Document Number	000610/595
Book / Page	610 / 595
Instrument Date	Jul 10, 2023
Instrument	I-2023-002191
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	463889 E 828 RD, STILWELL, OK 74960-4935

Mortgage

Document Number	I2023002192
Date	Jul 19, 2023
Instrument	I-2023-002192

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Feb 5, 2021
Property Address	463889 E 828 RD, STILWELL, OK 74960-4935
Document Number	000576/666
Book / Page	576 / 666
Instrument Date	Feb 3, 2021
Instrument	2021-000460
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	ADAIR COUNTY ABSTRACT AND TITLE LLC, ADAIR CNTY ABSTRACT & TTL LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463889 E 828TH ROAD, STILWELL, OK 74960-4935

Mortgage

Document Number	2021000461
Date	Feb 5, 2021
Instrument	2021-000461

Lender

Name	GREEN COUNTRY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 463889 E 828 Rd was $3,599, down 4.4% from the year before.

Source: Adair County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Adair County
Elementary School District	Rocky Mountain Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,491 (+0.42%) Land $1,003 Building $47,488	$404,087 (+0.42%) Land $8,358 Building $395,729
2025	$3,599.00 (-4.41%)	$48,287 (-4.41%) Land $1,003 Building $47,284	$402,390 (-4.41%) Land $8,358 Building $394,032
2024	$3,765.00 (+126.13%)	$50,516 (+126.12%) Land $1,003 Building $49,513	$420,967 (-) Land $8,358 Building $412,609
2023	$1,665.00	$22,340 Land $1,003 Building $21,337	$420,967 Land $8,358 Building $412,609

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 463889 E 828 Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 26, 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 Policies	1 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

Wildfire risk around 463889 E 828 Rd is high, ranking above 82% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 61% of Oklahoma
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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	ADAIR CO RWD #2 serves 1,675 people · EPA ID OK3000105
Water Source	Purchased surface water from STILWELL
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Mar 2024
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
OzarksGo Fiber	2,500 / 2,500

May also be available: Windstream.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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