7909 E 86th Ave, Stillwater, OK 74074 Property Records

Payne County property record for 7909 E 86th Ave, Stillwater, OK 74074

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,639 sqft · built 2004
Lot Size	5.86 acres (255,262 sqft)
Owner	Individual Name on Record
Tax Bill	$2,720 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18N03E-23-2-00000-000-0256`

Property Details

APN / Parcel Number

Primary APN	`18N03E-23-2-00000-000-0256`
Alternative APNs	`600088997` `88997`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Building Area	1,639 sqft Living Area
1st Floor Area	1,639 sqft
Cellar	Cellar
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	255,262 sqft (5.86 acres)
Garage Type	Mixed
Garage Area	623 sqft

Exterior Amenities

Porch	Slab
Porch Area	474 sqft
Shed	1 Shed
Shed Area	16 sqft
Storage Building	160 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	88997
Street Address	7909 E 86TH AVE
City	STILLWATER
State	OK
Zip	74074-8491
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	23-18N-03E B-256 (5.86ACM/L) BEG 1306.98'N88E NW/C SE/4; N88E-308.64' S-483.43' S88E-184.99' S03W-225.56' N88W-480.16' N-695.
Legal Range	03E
Legal Township	18N
Legal Section	23
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	1
Census Block	1068
Census Tract	11103

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	7909 E 86TH AVE, STILLWATER, OK 74074-8491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Sep 25, 2018	Quit Claim Deed, Transfer · VA Mortgage FIRST SOUTH BK
Sep 25, 2018	Warranty Deed, Transfer · VA Mortgage FIRST SOUTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	7909 E 86TH AVE, STILLWATER, OK 74074-8491
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026550780
Date	Sep 22, 2021
Book Page	2655/780
Instrument	2021-012212

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Feb 1, 2051

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PAYNE OK
Recording Date	Sep 25, 2018
Property Address	7909 E 86TH AVE, STILLWATER, OK 74074-8491
Document Number	0024750106
Book / Page	002475 / 000106
Instrument Date	Sep 24, 2018
Instrument	11596
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7909 E 86TH STILLWATER OK 74075, STILLWATER, OK 74075

Mortgage

Document Number	24750089
Date	Sep 25, 2018
Book Page	002475/000089
Instrument	11595

Lender

Name	FIRST SOUTH BK
Type	Bank
Address	OKLAHOMA CITY, OK 73112

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Sep 25, 2018
Property Address	7909 E 86TH AVE, STILLWATER, OK 74074-8491
Document Number	0024750088
Book / Page	002475 / 000088
Instrument Date	Sep 21, 2018
Instrument	11594
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	OKLAHOMA CLOSING AND TITLE SERVICES, OKLAHOMA CLOSING & TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$359.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7909 E 86TH STILLWATER OK 74075, STILLWATER, OK 74075

Mortgage

Document Number	24750089
Date	Sep 25, 2018
Book Page	002475/000089
Instrument	11595

Lender

Name	FIRST SOUTH BK
Type	Bank
Address	OKLAHOMA CITY, OK 73112

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Payne County
Unified School District	Ripley Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$28,090 (+6.09%) Land $1,602 Building $26,488	$246,408 (-9.97%) Land $14,061 Building $232,347
2025	$2,720.00 (-1.31%)	$26,478 (-) Land $1,509 Building $24,969
2024	$2,756.00 (+10.37%)	$26,478 (+3%) Land $1,509 Building $24,969	$273,710 (+11.47%) Land $15,600 Building $258,110
2023	$2,497.00 (+1.5%)	$25,707 (+3%) Land $2,484 Building $23,223	$245,550 (+9.82%) Land $23,730 Building $221,820
2022	$2,460.00	$24,958 Land $2,648 Building $22,310	$223,600 Land $23,730 Building $199,870

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

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
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.

Wildfire

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

Wildfire Risk	High above 73% of the US · lower than 60% of Oklahoma
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Atlink Services Fixed Wireless	50 / 10
T-Mobile Fixed Wireless	25 / 3

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