521 Lake Trail Dr, Enid, OK 73701 Property Records

Garfield County property record for 521 Lake Trail Dr, Enid, OK 73701

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,033 sqft · built 2024
Lot Size	1.16 acres (50,607 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Nov 2022)
Tax Bill	$6,350 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`77330`

Property Details

APN / Parcel Number

Primary APN	`77330`
Alternative APN	`9223-00-001-011-0-014-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,033 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	50,607 sqft (1.16 acres)
Garage Type	Attached
Garage Area	792 sqft
Driveway	Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	77330
Street Address	521 LAKE TRAIL DR
City	ENID
State	OK
Zip	73701-6806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLOCK 1 SD-R18 SPRING VALLEY SKI RANCH SW/4 8-23-6
Legal Range	06W
Legal Township	23N
Legal Section	08
Legal Subdivision	SPRING VALLEY SKI RN
Legal Block	1
Legal Lot Number	11
Jurisdiction	GARFIELD OK
Township / Civil Division	NORTH GARFIELD
Census Block Group	2
Census Block	2061
Census Tract	1100

Owner

521 Lake Trail Dr is owned and occupied by two individuals who bought it in November 2022.

Source: Garfield County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1821 COMANCHE TRL, ENID, OK 73703-6833
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
Oct 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 26, 2023	Deed of Trust, Mortgage · Construction Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 23, 2022	Warranty Deed, Transfer APEX TITLE COMPANY, APEX TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Mar 21, 2007 · Amount on File
Deed Document Number	202211194
Deed Book / Page	2608 / 737
Prior Transfer Date	Nov 22, 2022
Prior Transfer Doc	0000011193
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	521 LAKE TRAIL DR, ENID, OK 73701-6806
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	BUFFALO LAND ABSTRACT COMPANY, BUFFALO LAND ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 LAKE TRAIL DR, ENID, OK 73701-6806

Mortgage

Document Number	002730/874
Date	Oct 30, 2025
Book Page	2730/874

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE, CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	521 LAKE TRAIL DR, ENID, OK 73701-6806
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2614 MT VERNON RD, ENID, OK 73703-1349

Mortgage

Document Number	002640/483
Date	Sep 26, 2023
Book Page	2640/483

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARFIELD OK
Recording Date	Nov 23, 2022
Property Address	521 LAKE TRAIL DR, ENID, OK 73701-6806
Document Number	002608/737
Book / Page	2608 / 737
Instrument Date	Nov 21, 2022
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	APEX TITLE COMPANY, APEX TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$37.50
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 with Right of Survivorship
Address	1821 COMANCLE TRAIL, ENID, OK 73703-6833

Tax Assessment & Valuation

The 2025 property tax bill for 521 Lake Trail Dr was $6,350 with a homeowner's exemption.

Source: Garfield County assessment roll, as of March 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Garfield County
Unified School District	Kremlin-Hillsdale Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,384 (+0.66%) Land $4,375 Building $55,009	$475,076 (+0.67%) Land $35,000 Building $440,076
2025	$6,350.00	$58,992 Land $4,375 Building $54,617	$471,931 Land $35,000 Building $436,931
2023	$470.00	$4,375 Land $4,375	$35,000 Land $35,000

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 521 Lake Trail Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1986–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2020 · rainfall accumulation

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 521 Lake Trail Dr is moderate, ranking above 42% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 89% of Oklahoma
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Chisholm Broadband Fixed Wireless	100 / 40

May also be available: Optimum, T-Mobile.

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