528 5th St, Velma, OK 73491 Property Records

Stephens County property record for 528 5th St, Velma, OK 73491

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,781 sqft · built 1966
Lot Size	0.403 acres (17,549 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Feb 2021)
Tax Bill	$989 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28702`

Property Details

APN / Parcel Number

Primary APN	`28702`
Alternative APN	`5030-00-007-001-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,781 sqft Living Area
Gross Area	1,321 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2021
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	17,549 sqft (0.403 acres)
Garage Type	Carport
Garage Area	460 sqft
Carport	Carport
Carport Area	460 sqft

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	556 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	28702
Street Address	528 5TH ST
City	VELMA
State	OK
Zip	73491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 7 LT 1 WILDHORSE
Legal Range	05W
Legal Township	01S
Legal Section	24
Legal Subdivision	WILDHORSE ADDITION
Legal Block	7
Legal Lot Number	1
Jurisdiction	STEPHENS OK
Township / Civil Division	VELMA-ALMA
Census Block Group	3
Census Block	3002
Census Tract	1000

Owner

528 5th St is owned by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	177135 N 2950 RD, DUNCAN, OK 73533-6879
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
Feb 11, 2022	Deed of Trust, Mortgage BANCFIRST
Feb 12, 2021	Warranty Deed, Transfer
Nov 4, 2016	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Prior Sale	Nov 4, 2016 · Amount on File
Deed Document Number	20211347
Deed Book / Page	5927 / 247
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEPHENS OK
Property Address	500 5TH ST, VELMA, OK 73491
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	STEPHENS CO ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177135 N 2950 RD, DUNCAN, OK 73533-6879

Mortgage

Document Number	0006116/55
Date	Feb 11, 2022
Book Page	6116/55
Instrument	I-2022-001389

Lender

Name	BANCFIRST
Type	Bank
Address	DUNCAN, OK 73534

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 11, 2042

Interest

Rate Type	Adjustable Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Feb 12, 2021
Property Address	528 5TH ST, VELMA, OK 73491
Document Number	005927/247
Book / Page	5927 / 247
Instrument Date	Feb 8, 2021
Instrument	2021-001347
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177135 N 2950 RD, DUNCAN, OK 73533-6879

November 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Nov 4, 2016
Property Address	528 5TH ST, VELMA, OK 73491
Document Number	005209/060
Book / Page	5209 / 060
Instrument Date	Nov 3, 2016
Instrument	2016-940884
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304383 E 1740 RD, DUNCAN, OK 73533-2469

Tax Assessment & Valuation

The 2025 property tax bill for 528 5th St was $989.

Source: Stephens County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Stephens County
Municipality	Velma Town
Unified School District	Velma-Alma Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$13,310 (+2.29%) Land $386 Building $12,924	$121,005 (+2.3%) Land $3,510 Building $117,495
2025	$989.00	$13,012 (-7.18%) Land $386 Building $12,626	$118,287 (-8.85%) Land $3,510 Building $114,777
2024	$989.00 (-3.89%)	$14,018 (+5%) Land $386 Building $13,632	$129,769 (+6.92%) Land $3,510 Building $126,259
2023	$1,029.00	$13,351 Land $386 Building $12,965	$121,372 Land $3,510 Building $117,862

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 528 5th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · 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 528 5th St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 78% of Oklahoma
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
360 Broadband Fixed Wireless	200 / 50
Windstream DSL	200 / 20

May also be available: AT&T, Rise Broadband, T-Mobile, Verizon.

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