Payne County property record for 5915 N Emerald, Stillwater, OK 74075
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,149 sqft · built 2022 |
| Lot Size | 0.184 acres (8,042 sqft) |
| Owner | Company Name on Record |
| Last Sale | $345,000 (Nov 2022) |
| Tax Bill | $4,331 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20N02E-26-1-ST238-010-0029 |
| Primary APN | 20N02E-26-1-ST238-010-0029 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Building Area | 2,149 sqft Living Area |
| 1st Floor Area | 2,149 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,042 sqft (0.184 acres) |
| Garage Type | Mixed |
| Garage Area | 488 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 89306 |
|---|---|
| Street Address | 5915 N EMERALD |
| City | STILLWATER |
| State | OK |
| Zip | 74075-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE CANYONS 5TH SEC BLK 10 LOT 29 |
| Legal Range | 02E |
| Legal Township | 20N |
| Legal Section | 26 |
| Legal Subdivision | THE CANYONS, 5TH SEC |
| Legal Block | 10 |
| Legal Lot Number | 29 |
| Jurisdiction | PAYNE OK |
| Township / Civil Division | STILLWATER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10101 |
Source: Payne County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3710 WOODLAND TRAILS DR, STILLWATER, OK 74074-5703 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 1, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EXCHANGE BANK & TRUST CO |
| Oct 25, 2021 | Warranty Deed, Transfer · Commercial Mortgage CROSSFIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2022 · Amount on Record |
| Deed Sale | Nov 1, 2022 · Amount on Record |
| Prior Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 202212902 |
| Deed Book / Page | 2725 / 62 |
| Last Transfer Date | May 8, 2024 |
| Transfer Doc | 0028000199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Nov 1, 2022 |
| Property Address | 5915 N EMERALD, STILLWATER, OK 74075-1938 |
| Document Number | 0027250062 |
| Book / Page | 2725 / 62 |
| Instrument Date | Oct 26, 2022 |
| Instrument | I-2022-012902 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 25, 2024 |
| Title Company | CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $517.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5915 N EMERALD, STILLWATER, OK 74075-1938 |
| Document Number | I2022012903 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | I-2022-012903 |
| Name | EXCHANGE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Oct 25, 2021 |
| Property Address | 5915 N EMERALD, STILLWATER, OK 74075-1938 |
| Document Number | 0026610428 |
| Book / Page | 2661 / 428 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021-123570 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2024 |
| Title Company | CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $64.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1320 N PORTER AVE, NORMAN, OK 73071-6619 |
| Document Number | 2021123571 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 2021-123571 |
| Name | CROSSFIRST BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Payne County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Payne County |
| Municipality | Stillwater City |
| Unified School District | Stillwater Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $43,416 (+5.64%) Land $4,332 Building $39,084 | $380,850 (+1.31%) Land $38,000 Building $342,850 | |
| 2025 | $4,331.00 (+3.64%) | $41,100 (-) Land $4,154 Building $36,946 | |
| 2024 | $4,179.00 (+5.21%) | $41,100 (+5%) Land $4,154 Building $36,946 | $375,940 (+9.49%) Land $38,000 Building $337,940 |
| 2023 | $3,972.00 (+9,137.21%) | $39,143 (+9,045.56%) Land $4,332 Building $34,811 | $343,360 (+9,031.91%) Land $38,000 Building $305,360 |
| 2022 | $43.00 | $428 Land $428 | $3,760 Land $3,760 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 54% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2022 |
| 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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