978 Garden Rd, Tuttle, OK 73089 Property Records

Grady County property record for 978 Garden Rd, Tuttle, OK 73089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,579 sqft · built 2000
Lot Size	1.25 acres (54,842 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jun 2022)
Tax Bill	$2,806 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20516`

Property Details

APN / Parcel Number

Primary APN	`20516`
Alternative APNs	`0766-001-001-00-0-000-00` `0766-00-001-001-0-000-00` `51356`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,579 sqft Living Area
1st Floor Area	1,579 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	54,842 sqft (1.25 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Slab
Porch Area	301 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Other

Location & Zoning

Account Number	51356
Street Address	978 GARDEN RD
City	TUTTLE
State	OK
Zip	73089-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-09N-05W LOT 1 BLOCK 1 GARDEN RIDGE ADDITION PART TWO
Legal Range	05W
Legal Township	09N
Legal Section	16
Legal Subdivision	0766 GARDEN RIDGE PART 2
Legal Block	1
Legal Lot Number	1
Jurisdiction	GRADY OK
Township / Civil Division	TUTTLE
Census Block Group	2
Census Block	2010
Census Tract	902

Owner

Source: Grady County records · APN 20516

Assessment roll updated June 16, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	978 GARDEN RD, TUTTLE, OK 73089-4404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jun 27, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF OK
Aug 24, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF OKLAHOMA
Aug 24, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	20229177
Deed Book / Page	6046 / 227
Prior Transfer Date	Feb 08, 2005
Prior Transfer Doc	0037020319
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY OK
Property Address	978 GARDEN RD, TUTTLE, OK 73089-4404
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	LEGACY PK TITLE LLC, LEGACY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 GARDEN RD, TUTTLE, OK 73089-4404

Mortgage

Document Number	I2023015528
Date	Nov 20, 2023
Book Page	6239/492
Instrument	I-2023-015528

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	1100 VIRGINIA DR STE 125, FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY OK
Recording Date	Jun 27, 2022
Property Address	978 GARDEN RD, TUTTLE, OK 73089-4404
Document Number	I2022009177
Book / Page	6046 / 227
Instrument Date	Jun 01, 2022
Instrument	I-2022-009177
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	LINCOLN PARK TITLE, LINCOLN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2022009178
Date	Jun 27, 2022
Instrument	I-2022-009178

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2037

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRADY OK
Property Address	978 GARDEN RD, TUTTLE, OK 73089-4404
Document Number	0000015363
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 09, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	978 GARDEN RD TUTTLE OK 730894404, TUTTLE, OK 73089-4404

Mortgage

Document Number	0000015363
Date	Sep 26, 2019
Book Page	005650/000142
Instrument	15363

Lender

Name	BANK OF OK
Type	Bank
Address	TULSA, OK 74101-2864

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 25, 2029

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRADY OK
Recording Date	Aug 24, 2018
Property Address	978 GARDEN RD, TUTTLE, OK 73089-4404
Document Number	0000016727
Book / Page	5473 / 044
Instrument Date	Aug 13, 2018
Instrument	2018-016727
Transaction Type	Transfer
Record Updated	Mar 08, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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
Address	978 GARDEN RD, TUTTLE, OK 73089-4404

Mortgage

Document Number	0000016728
Date	Aug 24, 2018
Instrument	2018-016728

Lender

Name	FIRST NATIONAL BANK OF OKLAHOMA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 14, 2019

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	GRADY OK
Recording Date	Aug 24, 2018
Property Address	978 GARDEN RD, TUTTLE, OK 73089-4404
Document Number	0000016725
Book / Page	005473 / 000039
Instrument Date	Jun 13, 2018
Instrument	16725
Transaction Type	Transfer
Record Updated	Aug 31, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 GARDEN RD TUTTLE OK 730894404, TUTTLE, OK 73089-4404

Tax Assessment & Valuation

Source: Grady County records · Assessment roll updated June 16, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Grady County
Unified School District	Bridge Creek Public Schools (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,806.00	$25,200 (-) Land $3,016 Building $22,184	$229,091 (-8.36%) Land $27,418 Building $201,673
2024	$2,806.00 (-7.91%)	$25,200 (-8.36%) Land $3,016 Building $22,184
2023	$3,047.00 (+34.58%)	$27,499 (+35.38%) Land $2,292 Building $25,207	$250,000 (+35.38%) Land $20,840 Building $229,160
2022	$2,264.00	$20,312 Land $2,292 Building $18,020	$184,661 Land $20,840 Building $163,821

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grady County (40051C), as of April 14, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 400510009022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1987–1993)
Most Recent Claim	May 1993 · Severe Storms, Tornadoes & Flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, May 1993 · 2 claims

Wildfire

Wildfire Risk	High above 71% of the US · lower than 63% of Oklahoma
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Oklahoma Electric Cooperative Fiber	1,000 / 1,000
Pioneer Telephone Cooperative (OK) Fiber	1,000 / 1,000
AtLink Services Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 26 locations within half a mile of this property.

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