9989 N 432 Rd, Hulbert, OK 74441 Property Records

Cherokee County property record for 9989 N 432 Rd, Hulbert, OK 74441

Property Summary

Property Type	Residential Vacant Land
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$28,500 (May 2015)
Tax Bill	$408 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14509`

Property Details

APN / Parcel Number

Primary APN	`14509`
Alternative APN	`0000-19-18N-21E-0-019-00`

Exterior

Lot Area	871,200 sqft (20 acres)

Location & Zoning

Account Number	14509
Street Address	9989 N 432 RD
City	HULBERT
State	OK
Zip	74441-3120
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	T18N R21E S19 W/2 NE NW
Legal Range	21E
Legal Township	18N
Legal Section	19
Jurisdiction	CHEROKEE OK
Township / Civil Division	HULBERT
Census Block Group	1
Census Block	1002
Census Tract	977702

Owner

9989 N 432 Rd, residential vacant land, is owned and occupied by two individuals who bought it in May 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	9989 N 432 RD, HULBERT, OK 74441-3120
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
Dec 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Jun 4, 2021	Deed of Trust, Mortgage · Line of Credit ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2015 · Amount on File
Deed Sale	May 12, 2015 · Amount on File
Prior Sale	Sep 27, 2004 · Amount on File
Deed Document Number	20153145
Deed Book / Page	1119 / 569
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	9989 N 432 RD, HULBERT, OK 74441-3120
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9989 N 432 RD, HULBERT, OK 74441-3120

Mortgage

Document Number	001465/526
Date	Dec 9, 2025
Book Page	1465/526
Instrument	I-2025-008846

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 30, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE OK
Property Address	9989 N 432 RD, HULBERT, OK 74441-3120
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13509 E 655 RD, HULBERT, OK 74441-3440

Mortgage

Document Number	1313/635
Date	Jun 4, 2021
Book Page	1313/635
Instrument	2021-004905

Lender

Name	ARVEST BANK
Type	Bank
Address	TAHLEQUAH, OK 74464

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	May 26, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 9989 N 432 Rd was $408.

Source: Cherokee County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Cherokee County
Elementary School District	Peggs Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,794 (+1.36%) Land $3,850 Building $1,944	$52,677 (+%) Land $35,000 Building $17,677
2025	$408.00	$5,716 (+5%) Land $3,850 Building $1,866	$52,676 (+0.03%) Land $35,000 Building $17,676
2024	$408.00 (+10.27%)	$5,444 (+5.02%) Land $3,767 Building $1,677	$52,658 (+%) Land $35,000 Building $17,658
2023	$370.00 (+5.11%)	$5,184 (+4.98%) Land $3,242 Building $1,942	$52,657 (+17.3%) Land $35,000 Building $17,657
2022	$352.00	$4,938 Land $2,970 Building $1,968	$44,890 Land $27,000 Building $17,890

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 9989 N 432 Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 3, 2009 · 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	1 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

Wildfire risk around 9989 N 432 Rd is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 46% of Oklahoma
Wildfire Likelihood	0.5% 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, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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