474812 E 845 Rd, Stilwell, OK 74960 Property Records

Adair County property record for 474812 E 845 Rd, Stilwell, OK 74960

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,244 sqft · built 2010
Lot Size	7.73 acres (336,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,000 (Mar 2021)
Tax Bill	$1,179 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0000-08-015-026-0-006-00`

Property Details

APN / Parcel Number

Primary APN	`0000-08-015-026-0-006-00`
Alternative APN	`2861`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
Gross Area	2,174 sqft
1st Floor Area	2,174 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	336,719 sqft (7.73 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	882 sqft
Deck Area	474 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2861
Street Address	474812 E 845 RD
City	STILWELL
State	OK
Zip	74960-4574
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	TM
Legal Description	BEG @ NW COR OF NE SE FOR POB, S89^53'53" E 880',S00 ^20'59" E 30',N89^53'53" W 407.37',S14^42'53" W 242.8 1',N88^16'10" W 58
Legal Range	26E
Legal Township	15N
Legal Section	08
Jurisdiction	ADAIR OK
Township / Civil Division	STILWELL EAST
Census Block Group	4
Census Block	4005
Census Tract	377000

Owner

Source: Adair 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	474812 E 845 RD, STILWELL, OK 74960-4574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Apr 21, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 11, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Mar 26, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Oct 29, 2009
Deed Document Number	2021978
Deed Book / Page	578 / 322
Transfer Doc	000458/932
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR OK
Recording Date	May 18, 2026
Property Address	474812 E 845 RD, STILWELL, OK 74960-4574
Document Number	0000001616
Book / Page	652 / 332
Instrument Date	May 9, 2026
Instrument	20261616
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	474812 E 845 RD, STILWELL, OK 74960-4574

Mortgage

Document Number	0000001616,
Date	May 18, 2026
Book Page	652/332
Instrument	20261616

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.37%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR OK
Property Address	474812 E 845 RD, STILWELL, OK 74960-4574
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000593/577
Date	Apr 21, 2022
Book Page	593/577
Instrument	I-2022-001266

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Apr 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAIR OK
Property Address	474812 E 845 RD, STILWELL, OK 74960-4574
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000584/323
Date	Aug 11, 2021
Book Page	584/323
Instrument	2021-002837

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAIR OK
Recording Date	Mar 26, 2021
Property Address	474812 E 845 RD, STILWELL, OK 74960-4574
Document Number	000578/322
Book / Page	578 / 322
Instrument Date	Mar 22, 2021
Instrument	2021-000978
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	ADAIR COUNTY ABSTRACT AND TITLE LLC, ADAIR CNTY ABSTRACT & TTL LL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$475.50
Amount Accuracy	Full Amount Stated
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	474812 E 845 RD, STILWELL, OK 74960-4574

Mortgage

Document Number	2021000979
Date	Mar 26, 2021
Instrument	2021-000979

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	Adair County
Unified School District	Stilwell Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,754 (+3%) Land $911 Building $16,843	$147,946 (-46.14%) Land $7,588 Building $140,358
2025	$1,179.00 (+3.24%) Homeowner's exemption	$17,237 (+3%) Land $911 Building $16,326	$274,666 (-5.7%) Land $7,588 Building $267,078
2024	$1,142.00 (+3.16%) Homeowner's exemption	$16,735 (+3%) Land $911 Building $15,824	$291,261 (+115.12%) Land $7,588 Building $283,673
2023	$1,107.00 Homeowner's exemption	$16,248 Land $911 Building $15,337	$135,393 Land $7,588 Building $127,805

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 26, 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 84% of the US · above 69% of Oklahoma
Wildfire Likelihood	0.9% 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 #4 serves 1,025 people · EPA ID OK3000107
Water Source	Purchased surface water from STILWELL
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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