Grady County property record for 980 Garden Rd, Tuttle, OK 73089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,317 sqft · built 1998 |
| Lot Size | 1.27 acres (55,713 sqft) |
| Owner | Individual Name on File |
| Last Sale | $362,000 (Jun 2024) |
| Tax Bill | $4,434 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20502 |
| Primary APN | 20502 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,317 sqft Living Area |
| 1st Floor Area | 2,317 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 55,713 sqft (1.27 acres) |
| Garage Type | Mixed |
| Garage Area | 625 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 150 sqft |
| Gazebo | Gazebo |
| Utility Building | 800 sqft |
| Cooling System | Other |
|---|---|
| Heating System | Other |
| Account Number | 51342 |
|---|---|
| Street Address | 980 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 GARDEN RIDGE ADDN |
| Legal Range | 05W |
| Legal Township | 09N |
| Legal Section | 16 |
| Legal Subdivision | 0765 GARDEN RIDGE ADDN |
| Legal Lot Number | 1 |
| Jurisdiction | GRADY OK |
| Township / Civil Division | TUTTLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 902 |
980 Garden Rd is owned and occupied by an individual who bought it in June 2024.
Source: Grady County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 980 GARDEN RD, TUTTLE, OK 73089-4404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 23, 2020 | Personal Representative Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on File |
| Deed Sale | Jun 27, 2024 · Amount on File |
| Prior Sale | Sep 23, 2020 · Amount on File |
| Deed Document Number | 20247871 |
| Deed Book / Page | 6329 / 404 |
| Prior Transfer Date | Dec 8, 2005 |
| Prior Transfer Doc | 0038010219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRADY OK |
| Property Address | 980 GARDEN RD, TUTTLE, OK 73089-4404 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | UNKNOWN, ACRISURE NATL LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 980 GARDEN RD, TUTTLE, OK 73089-4404 |
| Document Number | I2025015636 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 6554/148 |
| Instrument | I-2025-015636 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 5.25% |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | GRADY OK |
| Recording Date | Sep 23, 2020 |
| Property Address | 980 GARDEN RD, TUTTLE, OK 73089-4404 |
| Document Number | 0000011900 |
| Book / Page | 5783 / 258 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 2020-011900 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $364.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 980 GARDEN RD, TUTTLE, OK 73089-4404 |
| Document Number | 0000011901 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2020-011901 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 980 Garden Rd was $4,434, up % from the year before.
Source: Grady County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Grady County |
| Unified School District | Bridge Creek Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $38,935 (-2.22%) Land $3,064 Building $35,871 | $353,955 (-2.22%) Land $27,855 Building $326,100 | |
| 2025 | $4,434.00 (+0.02%) | $39,820 (+32.45%) Land $3,064 Building $36,756 | $362,000 Land $27,855 Building $334,145 |
| 2024 | $4,433.00 (+39.75%) | $30,065 (+5%) Land $2,693 Building $27,372 | |
| 2023 | $3,172.00 (+4.41%) | $28,633 (+5%) Land $2,688 Building $25,945 | $296,745 (+19.7%) Land $27,857 Building $268,888 |
| 2022 | $3,038.00 | $27,270 Land $2,329 Building $24,941 | $247,910 Land $21,171 Building $226,739 |
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.
FEMA maps place 980 Garden Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.
Source: FEMA National Flood Hazard Layer, effective April 14, 2023 · 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 | 3 (1987–1993) |
| Most Recent Claim | May 1993 · Severe Storms, Tornadoes & Flooding |
| Claims by Event |
|
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 risk around 980 Garden Rd is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · lower than 63% 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| OEC Fiber Fiber | 1,000 / 1,000 |
| Pioneer Telephone Cooperative Fiber | 1,000 / 1,000 |
| Atlink Services Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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