509 N 3rd St, Duncan, OK 73533 Property Records

Stephens County property record for 509 N 3rd St, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,188 sqft · built 1980
Lot Size	0.23 acres (10,015 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Apr 2026)
Tax Bill	$410 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13000`

Property Details

APN / Parcel Number

Primary APN	`13000`
Alternative APN	`1001-00-022-001-0-002-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,015 sqft (0.23 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13000
Street Address	509 N 3RD ST
City	DUNCAN
State	OK
Zip	73533-6138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 22 N58 S116 LOT 1 & N58 S116 LOT 2 DUNCAN CITY
Legal Range	07W
Legal Township	01N
Legal Section	33
Legal Subdivision	CITY OF DUNCAN ORIGINAL TOWNSITE
Legal Block	22
Legal Lot Number	1,2,N58
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	3
Census Block	3038
Census Tract	400

Owner

509 N 3rd St is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	509 N 3RD ST, DUNCAN, OK 73533-6138
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Feb 24, 2006 · Amount on File
Deed Document Number	20263366
Deed Book / Page	6852 / 249
Prior Transfer Date	Feb 1, 2006
Prior Transfer Doc	003298/028
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Apr 23, 2026
Property Address	509 N 3RD ST, DUNCAN, OK 73533-6138
Document Number	0000003366
Book / Page	6852 / 249
Instrument Date	Apr 15, 2026
Instrument	2026.3366
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 N 3RD ST, DUNCAN, OK 73533-6138

Mortgage

Document Number	0000003367,
Date	Apr 23, 2026
Book Page	6852/252
Instrument	2026.3367

Lender

Name	BANCFIRST

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 509 N 3rd St was $410, up 4.9% from the year before.

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		$4,865 (-) Land $386 Building $4,479	$44,224 (-22.86%) Land $3,505 Building $40,719
2025	$410.00 (+4.86%)	$4,865 (+10.24%) Land $386 Building $4,479	$57,333 (-1.55%) Land $3,505 Building $53,828
2024	$391.00 (+8.61%)	$4,413 (-) Land $386 Building $4,027	$58,236 (+13.39%) Land $3,505 Building $54,731
2023	$360.00	$4,413 Land $386 Building $4,027	$51,358 Land $3,505 Building $47,853

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

Flood

FEMA maps place 509 N 3rd St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	22 (1978–2007)
Claims Outside the SFHA	12 of 22
Most Recent Claim	May 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, May 2007 · 3 claims Severe Storms & Flooding, May 1987 · 2 claims

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 509 N 3rd St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97% of Oklahoma
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 465 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
360 Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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