903 W Spruce Ave, Duncan, OK 73533 Property Records

Stephens County property record for 903 W Spruce Ave, Duncan, OK 73533

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,329 sqft · built 1935
Lot Size	0.097 acres (4,204 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Apr 2022)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13575`

Property Details

APN / Parcel Number

Primary APN	`13575`
Alternative APN	`1001-00-065-007-0-002-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,329 sqft Living Area
Gross Area	2,449 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,204 sqft (0.097 acres)
Garage Type	Carport
Garage Area	260 sqft
Carport	Carport
Carport Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	107 sqft
Deck Area	96 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13575
Street Address	903 W SPRUCE AVE
City	DUNCAN
State	OK
Zip	73533-4155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 65 E30 S70 LOT 7 & W25.5 S70 LOT 8 & N15.5 W20.7 E74.5 S70 LOT 8 DUNCAN CITY
Legal Range	07W
Legal Township	01N
Legal Section	32
Legal Subdivision	CITY OF DUNCAN ORIGINAL TOWNSITE
Legal Block	65
Legal Lot Number	7,8
Jurisdiction	STEPHENS OK
Township / Civil Division	DUNCAN
Census Block Group	1
Census Block	1021
Census Tract	300

Owner

Source: Stephens 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	903 W SPRUCE AVE, DUNCAN, OK 73533-4155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2022 · Amount on Record
Deed Sale	Apr 20, 2022 · Amount on Record
Prior Sale	Jun 16, 2015 · Amount on Record
Deed Document Number	20223846
Deed Book / Page	6152 / 25
Prior Transfer Date	Dec 7, 2016
Prior Transfer Doc	005224/232
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEPHENS OK
Recording Date	Apr 20, 2022
Property Address	903 W SPRUCE AVE, DUNCAN, OK 73533-4155
Document Number	0006152/25
Book / Page	6152 / 25
Instrument Date	Apr 19, 2022
Instrument	I-2022-003846
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	TITLE AND CLOSING INC, TITLE & CLOSING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	903 W SPRUCE AVE, DUNCAN, OK 73533-4155

Mortgage

Document Number	I2022003847
Date	Apr 20, 2022
Instrument	I-2022-003847

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Stephens County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$23,248 (+3%) Land $301 Building $22,947	$211,341 (+3%) Land $2,733 Building $208,608
2025	Homeowner's exemption	$22,571 (-5.41%) Land $301 Building $22,270	$205,186 (-5.41%) Land $2,733 Building $202,453
2023	Homeowner's exemption	$23,863 Land $301 Building $23,562	$216,929 Land $2,733 Building $214,196

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 September 29, 2010 · 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 Claims	2 (1978–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 1982 · rainfall accumulation

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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
360 Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20