604 Locust, Miami, OK 74354 Property Records

Ottawa County property record for 604 Locust, Miami, OK 74354

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1950
Lot Size	0.242 acres (10,560 sqft)
Owner	Company Name on Record
Last Sale	$45,000 (Jun 2026)
Tax Bill	$142 (2025)
Deeds & Mortgages	Jun 2026 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19558`

Property Details

APN / Parcel Number

Primary APN	`19558`
Alternative APN	`5520-00-006-011-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,208 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,560 sqft (0.242 acres)
Lot Dimensions	132 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19558
Street Address	604 LOCUST
City	MIAMI
State	OK
Zip	74354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 - 12, BLK 6 NORTH MIAMI OP
Legal Range	22E
Legal Township	28N
Legal Section	12
Legal Subdivision	NORTH MIAMI O.P.
Legal Block	6
Legal Lot Number	11,12
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1030
Census Tract	574200

Owner

Source: Ottawa 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	8812 W HIGHWAY 86, JOPLIN, MO 64804-8571
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Aug 26, 1993 · Amount on Record
Deed Document Number	20262669
Deed Book / Page	1263 / 189
Prior Transfer Date	Mar 13, 2026
Prior Transfer Doc	0000001173
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jun 5, 2026
Property Address	604 LOCUST, MIAMI, OK 74354
Document Number	0000002669
Book / Page	1263 / 189
Instrument Date	Jun 4, 2026
Instrument	20262669
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	CHOCTAW COUNTY ABSTRACT AND TITLE, OTTAWA COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,817.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	8812 W HIGHWAY 86, JOPLIN, MO 64804-8571

Mortgage

Document Number	0000002670,
Date	Jun 5, 2026
Instrument	20262670

Lender

Name	PEOPLES BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,538 (+3%) Land $564 Building $1,974	$22,255 (-44.77%) Land $4,945 Building $17,310
2025	$142.00 (+0.71%) Homeowner's exemption	$2,464 (+3.01%) Land $564 Building $1,900	$40,298 (+10.7%) Land $4,945 Building $35,353
2024	$141.00 (+18.49%) Homeowner's exemption	$2,392 (+3.01%) Land $564 Building $1,828	$36,403 (-) Land $4,945 Building $31,458
2023	$119.00 (+3.48%) Homeowner's exemption	$2,322 (+2.97%) Land $564 Building $1,758	$36,403 (-) Land $4,945 Building $31,458
2022	$115.00 Homeowner's exemption	$2,255 Land $564 Building $1,691	$36,403 Land $4,945 Building $31,458

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	5 (1985–2011)
Most Recent Claim	May 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	NORTH MIAMI serves 433 people · EPA ID OK3005801
Water Source	Purchased groundwater from MIAMI
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	23 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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