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Single Family ResidenceResidential
$283,840$168 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $183,667 on Jul 16, 2019

1323 SADDLE ROCK DR

ELGIN, OK 73538
3
Beds
2
Baths
1,693 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2011
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$284K
$275K low$293K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$183,667 · Jul 16, 2019
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$23,756
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$19,005
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.95%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$175,595
USAA FSB · recorded Jul 16, 2019
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$84,489
BOKF NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,549 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$25,198 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,226
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$20,972
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$25,199
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$260,680

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.58
55
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
75
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
23
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.19 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyComanche
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 242 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Elgin High SchoolA-
High · Grades 9–12 · 0.3 mi
E
Elgin Elementary SchoolA-
Elementary · Grades PK–4 · 0.4 mi
M
Elgin Middle SchoolB+
Middle · Grades 5–8 · 0.5 mi

District: Elgin Public Schools

Neighborhood · ZIP 73538These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.93

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.6,333
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.58 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,902
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,475
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1323 Saddle Rock Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 83% of homes in Comanche County
  • Costs more per square foot than 92% of homes in Comanche County
  • Smaller than 65% of homes in Elgin 73538
  • Newer than 92% of homes in Comanche County

What homes are worth in Elgin 73538

Each bar is how many homes fall in that price range. The marker is this home.

This home
$81K$555K

This home is worth more than 43% of homes in Elgin 73538.

How it measures up in Elgin 73538

The dot is this home. The mark in the middle is the typical home in Elgin 73538.

Estimated value$283,840
CheaperTypical $299,312Pricier

Pricier than 43% of homes nearby

Price per ft²$168
CheaperTypical $161Pricier

Pricier than 62% of homes nearby

Living area1,693 ft²
SmallerTypical 1,871 ft²Bigger

Bigger than 35% of homes nearby

Year built2011
OlderTypical 2009Newer

Newer than 61% of homes nearby

How 1323 Saddle Rock Dr ranks against every home in each area.
MeasureThis homeElgin 73538Comanche County
Estimated valuepricier than$283,84043% of homes83% of homes
Price per ft²pricier than$16862% of homes92% of homes
Living areabigger than1,693 ft²35% of homes64% of homes
Year builtnewer than201161% of homes92% of homes

About 1323 Saddle Rock Dr

How much is 1323 Saddle Rock Dr, Elgin, OK worth?

The TopHap Estimate for 1323 Saddle Rock Dr, Elgin, OK is $283,840 as of Jul 14, 2026. The likely range is $274,950 to $292,730. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1323 Saddle Rock Dr, Elgin, OK last sell?

1323 Saddle Rock Dr, Elgin, OK last sold on Jul 16, 2019 for $183,667, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 1323 Saddle Rock Dr, Elgin, OK?

1323 Saddle Rock Dr, Elgin, OK has 3 bedrooms, 2 bathrooms and 1,693 square feet of living space.

When was 1323 Saddle Rock Dr, Elgin, OK built?

1323 Saddle Rock Dr, Elgin, OK was built in 2011, making it 15 years old. It is a traditional/old home. The building has 1 story.

What schools serve 1323 Saddle Rock Dr, Elgin, OK?

1323 Saddle Rock Dr, Elgin, OK is assigned to Elgin High School (high), rated A-; Elgin Elementary School (elementary), rated A-; Elgin Middle School (middle), rated B+. All sit in Elgin Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1323 Saddle Rock Dr, Elgin, OK compare to other homes in Elgin 73538?

Among the 2,536 homes in Elgin 73538, it is worth more than 43% of them ($283,840 against a typical $299,312), its price per square foot is higher than 62% of them ($168 against a typical $161), it is bigger than 35% of them (1,693 ft² against a typical 1,871 ft²) and it is newer than 61% of them (2011 against a typical 2009). Measured against all of Comanche County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1323 Saddle Rock Dr, Elgin, OK?

The 2025 property tax bill for 1323 Saddle Rock Dr, Elgin, OK was $2,549. The county assessed it at $25,198.

Closest homes

More homes in Elgin 73538

Assigned schools

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