620 S Cherry St, Spiro, OK 74959 Property Records

Le Flore County property record for 620 S Cherry St, Spiro, OK 74959

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 1994
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Tax Bill	$373 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34128`

Property Details

APN / Parcel Number

Primary APN	`34128`
Alternative APN	`U001-00-083-000-0-004-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	1,312 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Mixed
Garage Area	720 sqft

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	124 sqft
Patio Area	156 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34128
Street Address	620 S CHERRY ST
City	SPIRO
State	OK
Zip	74959-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPIRO BLK 83 LOTS 13 THRU 17 B867 P534
Legal Range	25E
Legal Township	9N
Legal Section	24
Legal Subdivision	SPIRO MAIN TOWN
Legal Block	83
Legal Lot Number	13-17
Jurisdiction	LE FLORE OK
Township / Civil Division	SPIRO
Census Block Group	1
Census Block	1016
Census Tract	40303

Owner

Source: Le Flore 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	2 Individual Names on Record
Mailing Address	PO BOX 106, SPIRO, OK 74959-0106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Jun 1, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LE FLORE OK
Recording Date	Apr 14, 2026
Property Address	620 S CHERRY ST, SPIRO, OK 74959-3313
Document Number	0000002704
Book / Page	2349 / 333
Instrument Date	Apr 7, 2026
Instrument	20262704
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRUST MARK TITLE, TRUSTMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 S CHERRY ST, SPIRO, OK 74959-3313

Mortgage

Document Number	0000002704,
Date	Apr 14, 2026
Book Page	2349/333
Instrument	20262704

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LE FLORE OK
Property Address	620 S CHERRY ST, SPIRO, OK 74959-3313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONS TITLE OF OKC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021050619
Date	May 22, 2020
Book Page	2105/619
Instrument	3257

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LE FLORE OK
Property Address	620 S CHERRY ST, SPIRO, OK 74959-3313
Document Number	0020750658
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	CHICAGO TITLE OK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	620 S CHERRY ST SPIRO OK 749593313, SPIRO, OK 74959-3313

Mortgage

Document Number	0020750658
Date	Jun 12, 2019
Book Page	002075/000658
Instrument	4001

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 11, 2044

Tax Assessment & Valuation

Source: Le Flore County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Le Flore County
Municipality	Spiro Town
Unified School District	Spiro Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,205 (-) Land $613 Building $4,592	$47,313 (-60.78%) Land $5,569 Building $41,744
2025	$373.00 (+15.48%) Homeowner's exemption	$5,205 (+14.45%) Land $340 Building $4,865	$120,631 (+119.18%) Land $7,875 Building $112,756
2023	$323.00 Homeowner's exemption	$4,548 Land $866 Building $3,682	$55,037 Land $7,875 Building $47,162

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 August 16, 2012 · 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 Policies	3 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.

Wildfire

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

Wildfire Risk	High above 77% of the US · above 48% of Oklahoma
Wildfire Likelihood	0.6% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPIRO serves 2,200 people · EPA ID OK1020106
Water Source	Surface water
Last State Inspection	Jun 2023
Also Mapped Here	SPIRO EAST WATER ASSOCIATION
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: 360 Broadband, Circle B Wireless.

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