985 Elm Cir, Chouteau, OK 74337 Property Records

Mayes County property record for 985 Elm Cir, Chouteau, OK 74337

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,464 sqft · built 2007
Lot Size	1.44 acres (62,955 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jan 2023)
Tax Bill	$5,669 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12574`

Property Details

APN / Parcel Number

Primary APN	`12574`
Alternative APN	`0163-00-001-013-0-001-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,464 sqft Living Area
1st Floor Area	3,214 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,955 sqft (1.44 acres)
Garage Type	Attached
Garage Area	689 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	437 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12574
Street Address	985 ELM CIR
City	CHOUTEAU
State	OK
Zip	74337-3788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER RUN OF CHOUT HILLS BLK 1 LOT 13
Legal Range	19E
Legal Township	20N
Legal Section	20
Legal Subdivision	DEER RUN OF CHOUTEAU HILLS
Legal Block	1
Legal Lot Number	13
Jurisdiction	MAYES OK
Township / Civil Division	PRYOR CREEK
Census Block Group	2
Census Block	2042
Census Tract	40400

Owner

985 Elm Cir is owned and occupied by two individuals who bought it in January 2023.

Source: Mayes County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	985 ELM CIR, CHOUTEAU, OK 74337-3788
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Warranty Deed, Transfer · VA Mortgage FLAT BRANCH HOME LOANS INC
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Jun 2, 2017	Warranty Deed, Transfer · ARM ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2023 · Amount on File
Deed Sale	Jan 19, 2023 · Amount on File
Prior Sale	Jun 2, 2017 · Amount on File
Deed Document Number	2023729071
Deed Book / Page	1499 / 753
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MAYES OK
Recording Date	Jan 19, 2023
Property Address	985 ELM CIR, CHOUTEAU, OK 74337-3788
Document Number	001499/753
Book / Page	1499 / 753
Instrument Date	Jan 13, 2023
Instrument	I-1996-729071
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	TITAN TITLE AND CLOSING LLC, TITAN TITLE & CLOSINGS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	985 ELM CIR, CHOUTEAU, OK 74337-3788

Mortgage

Document Number	I1996729072
Date	Jan 19, 2023
Instrument	I-1996-729072

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAYES OK
Property Address	985 ELM CIR, CHOUTEAU, OK 74337-3788
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRSTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1425/1003
Date	Dec 1, 2020
Book Page	1425/1003
Instrument	1996-708476

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MAYES OK
Recording Date	Jun 2, 2017
Property Address	985 ELM CIR, CHOUTEAU, OK 74337-3788
Document Number	01332/0711
Book / Page	1332 / 0711
Map Reference	MB 1332 PG 711
Instrument Date	May 30, 2017
Instrument	1996-680882
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	FIRST TITLE ABSTRACT SERVICES LLC, FIRST TITLE ABSTRACT SERVI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 ELM CIR, CHOUTEAU, OK 74337-3788

Mortgage

Document Number	1996680883
Date	Jun 2, 2017
Instrument	1996-680883

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	9%
Max Rate At Change	2%
Index	1-Year CMT
Margin	3
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 985 Elm Cir was $5,669, down 0.4% from the year before.

Source: Mayes County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Mayes County
Municipality	Chouteau Town
Unified School District	Chouteau-Mazie Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,454 (-) Land $6,720 Building $58,734	$584,409 (-) Land $60,000 Building $524,409
2025	$5,669.00 (-0.35%)	$65,454 (-) Land $5,040 Building $60,414	$584,409 (-) Land $45,000 Building $539,409
2024	$5,689.00 (+19.29%)	$65,454 (+21.87%) Land $5,040 Building $60,414	$584,409 (+11.43%) Land $45,000 Building $539,409
2023	$4,769.00	$53,709 Land $4,168 Building $49,541	$524,477 Land $45,000 Building $479,477

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

FEMA maps place 985 Elm Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · 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
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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

Wildfire risk around 985 Elm Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 88% of Oklahoma
Wildfire Likelihood	0.09% 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	MAYES CO RWD # 2 serves 6,280 people · EPA ID OK3004608
Water Source	Purchased surface water from OKLA ORDNANCE WORKS AUTHORITY
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm Cir

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