54250 E 120 Rd, Miami, OK 74354 Property Records

Ottawa County property record for 54250 E 120 Rd, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 2007
Lot Size	4.78 acres (208,216 sqft)
Owner	Individual Name on Record
Last Sale	$11,500 (Aug 2004)
Tax Bill	$2,403 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19473`

Property Details

APN / Parcel Number

Primary APN	`19473`
Alternative APN	`5430-00-000-004-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,708 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	208,216 sqft (4.78 acres)
Garage Type	Carport
Garage Area	616 sqft
Carport	Carport
Carport Area	616 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	594 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19473
Street Address	54250 E 120 RD
City	MIAMI
State	OK
Zip	74354-5202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SOUTHERN HILLS
Legal Range	22E
Legal Township	27N
Legal Section	1
Legal Subdivision	SOUTHERN HILLS
Legal Lot Number	4
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2031
Census Tract	574700

Owner

Source: Ottawa County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	54250 E 120 RD, MIAMI, OK 74354-5202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Affidavit, Transfer · Line of Credit WELCH STATE BANK
Apr 10, 2023	Affidavit of Death of Joint Tenant, Transfer
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELCH STATE BANK OF WELCH OK
Mar 15, 2017	Deed of Trust, Mortgage · FHA Mortgage MID-AMERICAN MORTGAGE INC
Apr 10, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE FIRST NATL BANK & TRUST BROKEN ARROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2004 · Amount on Record
Deed Sale	Aug 30, 2004 · Amount on Record
Prior Sale	Jan 31, 2002 · Amount on Record
Deed Book / Page	766 / 199
Last Transfer Date	Sep 17, 2026
Transfer Doc	0000004674
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	OTTAWA OK
Recording Date	Sep 18, 2026
Property Address	54250 E 120 RD, MIAMI, OK 74354-5202
Document Number	0000004674
Book / Page	1272 / 564
Instrument Date	Sep 17, 2026
Instrument	20264674
Transaction Type	Transfer
Record Updated	Sep 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54250 E 120 RD, MIAMI, OK 74354-5202

Mortgage

Document Number	0000004675,
Date	Sep 18, 2026
Book Page	1272/565
Instrument	20264675

Lender

Name	WELCH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

April 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OTTAWA OK
Recording Date	Apr 10, 2023
Property Address	54250 E 120 RD, MIAMI, OK 74354-5202
Document Number	001181/202
Book / Page	1181 / 202
Instrument Date	Apr 10, 2023
Instrument	I-2023-001498
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	54250 E 120 RD, MIAMI, OK 74354-5202
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1143/210
Date	Sep 3, 2021
Book Page	1143/210
Instrument	2021-004496

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	54250 E 120 RD, MIAMI, OK 74354-5202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1045/733
Date	Mar 15, 2017
Book Page	1045/733
Instrument	2017-000999

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	54250 E 120 RD, MIAMI, OK 74354-5202
Transaction Type	Mortgage
Record Updated	Apr 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1067/586
Date	Apr 10, 2018
Book Page	1067/586
Instrument	2018-001353

Lender

Name	THE FIRST NATL BANK & TRUST BROKEN ARROW
Type	Bank
Address	MIAMI, OK 74354

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 30, 2038

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,396 (+1.8%) Land $1,710 Building $24,686	$231,545 (+1.8%) Land $15,000 Building $216,545
2025	$2,403.00 (-1.19%) Homeowner's exemption	$25,930 (-0.42%) Land $1,710 Building $24,220	$227,459 (-0.42%) Land $15,000 Building $212,459
2024	$2,432.00 (+62.35%) Homeowner's exemption	$26,040 (+55.22%) Land $1,710 Building $24,330	$228,421 (+14.58%) Land $15,000 Building $213,421
2023	$1,498.00 (+6.02%) Homeowner's exemption	$16,776 (+3%) Land $1,710 Building $15,066	$199,353 (-) Land $15,000 Building $184,353
2022	$1,413.00 Homeowner's exemption	$16,288 Land $1,710 Building $14,578	$199,353 Land $15,000 Building $184,353

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	62 (1985–2019)
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2019 · 10 claims Severe Storms, Flooding, And Tornadoes, Jul 2007 · 21 claims Severe Storms And Flooding, Apr 1994 · 8 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

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

Wildfire Risk	Moderate above 45% of the US · lower than 88% of Oklahoma
Wildfire Likelihood	0.08% 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	MIAMI serves 13,704 people · EPA ID OK2005813
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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