4909 Central Ave, Spencer, OK 73084 Property Records

Oklahoma County property record for 4909 Central Ave, Spencer, OK 73084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,507 sqft · built 2022
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$12,500 (Nov 2021)
Tax Bill	$3,245 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-371-5950`

Property Details

APN / Parcel Number

Primary APN	`14-371-5950`
Alternative APNs	`2265-14-371-5950` `R143715950`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,507 sqft Living Area
1st Floor Area	1,018 sqft
Laundry Room	Laundry Room

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	39,204 sqft (0.9 acres)
Terrain	Gentle Slope

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R143715950
Street Address	4909 CENTRAL AVE
City	SPENCER
State	OK
Zip	73084-7344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARLINGTON HILLS SUB 000 000 E 1/2 OF LOT 92 & 93
Legal Range	01W
Legal Township	12N
Legal Section	17
Legal Quarter	NE
Legal Subdivision	ARLINGTON HILLS SUB
Legal Lot Number	92,93 93
Jurisdiction	OKLAHOMA OK
Township / Civil Division	OKLAHOMA CITY SOUTHEAST
Census Block Group	2
Census Block	2014
Census Tract	108803

Owner

4909 Central Ave is owned and occupied by an individual who bought it in November 2021.

Source: Oklahoma County records, as of January 29, 2026

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

Owner of Record	Individual Name on File
Mailing Address	4909 CENTRAL AVE, SPENCER, OK 73084-7344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · FHA Mortgage FIRST UNITED BANK AND TRUST CO INC
Jun 1, 2023	Deed of Trust, Mortgage · FHA Mortgage FIRST UNITED BANK & TRUST CO
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Deed Document Number	2021111501198189
Deed Book / Page	14966 / 431
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	4909 CENTRAL AVE, SPENCER, OK 73084-7344
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001092510
Date	Jul 19, 2023
Book Page	15511/1860
Instrument	2023071901092510

Lender

Name	FIRST UNITED BANK AND TRUST CO INC
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2053

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	4909 CENTRAL AVE, SPENCER, OK 73084-7344
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001070216
Date	Jun 1, 2023
Book Page	15472/375
Instrument	2023060101070216

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Nov 15, 2021
Property Address	4909 CENTRAL AVE, SPENCER, OK 73084-7344
Document Number	0001198189
Book / Page	14966 / 431
Instrument Date	Nov 11, 2021
Instrument	2021111501198189
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	APEX TITLE COMPANY, APEX TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$18.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E NORTHRUP DR, MIDWEST CITY, OK 73110-5226
Investor	Possibly a Property Investor

Mortgage

Document Number	0001198190
Date	Nov 15, 2021
Instrument	2021111501198190

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4909 Central Ave was $3,245.

Source: Oklahoma County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Oklahoma
County	Oklahoma County
Municipality	Oklahoma City
Unified School District	Oklahoma City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,245.00	$26,195 Land $1,213 Building $24,982	$270,000 Land $12,500 Building $257,500
2023	$2,918.00	$23,760 Land $1,375 Building $22,385	$216,000 Land $12,500 Building $203,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4909 Central Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 12, 2026

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

Wildfire risk around 4909 Central Ave is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 79% of Oklahoma
Wildfire Likelihood	0.1% 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	OKLAHOMA CITY serves 644,000 people · EPA ID OK1020902
Water Source	Surface water
Last State Inspection	Jul 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	None 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	1,000 / 35
Verizon Fixed Wireless	300 / 20
Atlink Services Fixed Wireless	100 / 20

May also be available: Chisholm Broadband.

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