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Single Family ResidenceResidential
$289,390$152 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $254,000 on Oct 12, 2023

3906 ELM RIDGE ST

STILLWATER, OK 74074
4
Beds
2
Baths
1,907 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.
2023
Year BuiltThe year the home was originally built, according to county records.

Valuation

$289K
$261K low$318K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$254,000 · Oct 12, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,218 (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.$31,851 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,135
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$28,716
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$31,851
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$279,400

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.53
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
81
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
49
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
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.9 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
CountyPayne
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 48 ft²

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

E
Highland Park Elementary SchoolB+
Elementary · Grades PK–5 · 2.9 mi
H
Stillwater High SchoolA
High · Grades 10–12 · 4.5 mi
M
Stillwater Middle SchoolA
Middle · Grades 6–7 · 4.8 mi

District: Stillwater Public Schools

Neighborhood · ZIP 74074These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.32,232
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.233 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,052
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,748
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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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

3906 Elm Ridge St 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.

  • Costs less per square foot than 68% of homes in Stillwater 74074
  • Bigger than 65% of homes in Payne County
  • Among the newest homes in Stillwater 74074

What homes are worth in Stillwater 74074

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

This home
$104K$898K

This home is worth more than 50% of homes in Stillwater 74074.

How it measures up in Stillwater 74074

The dot is this home. The mark in the middle is the typical home in Stillwater 74074.

Estimated value$289,390
CheaperTypical $288,806Pricier

Pricier than 50% of homes nearby

Price per ft²$152
CheaperTypical $165Pricier

Pricier than 32% of homes nearby

Living area1,907 ft²
SmallerTypical 1,789 ft²Bigger

Bigger than 56% of homes nearby

Year built2023
OlderTypical 1981Newer

Newer than almost all homes nearby

How 3906 Elm Ridge St ranks against every home in each area.
MeasureThis homeStillwater 74074Payne County
Estimated valuepricier than$289,39050% of homes62% of homes
Price per ft²pricier than$15232% of homes47% of homes
Living areabigger than1,907 ft²56% of homes65% of homes
Year builtnewer than2023almost all homesalmost all homes

About 3906 Elm Ridge St

How much is 3906 Elm Ridge St, Stillwater, OK worth?

The TopHap Estimate for 3906 Elm Ridge St, Stillwater, OK is $289,390 as of Aug 30, 2026. The likely range is $261,242 to $317,538. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3906 Elm Ridge St, Stillwater, OK last sell?

3906 Elm Ridge St, Stillwater, OK last sold on Oct 12, 2023 for $254,000, according to the county's recorded deed.

How big is 3906 Elm Ridge St, Stillwater, OK?

3906 Elm Ridge St, Stillwater, OK has 4 bedrooms, 2 bathrooms and 1,907 square feet of living space.

When was 3906 Elm Ridge St, Stillwater, OK built?

3906 Elm Ridge St, Stillwater, OK was built in 2023, making it 3 years old.

What schools serve 3906 Elm Ridge St, Stillwater, OK?

3906 Elm Ridge St, Stillwater, OK is assigned to Highland Park Elementary School (elementary), rated B+; Stillwater High School (high), rated A; Stillwater Middle School (middle), rated A. All sit in Stillwater Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3906 Elm Ridge St, Stillwater, OK compare to other homes in Stillwater 74074?

Among the 9,931 homes in Stillwater 74074, it is worth more than 50% of them ($289,390 against a typical $288,806), its price per square foot is higher than 32% of them ($152 against a typical $165), it is bigger than 56% of them (1,907 ft² against a typical 1,789 ft²) and it is newer than almost all of them (2023 against a typical 1981). Measured against all of Payne County, it is worth more than 62% 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 3906 Elm Ridge St, Stillwater, OK?

The 2025 property tax bill for 3906 Elm Ridge St, Stillwater, OK was $3,218. The county assessed it at $31,851.

More homes on Elm Ridge St

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Assigned schools

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