Home/Blog/REO & Compliance
REO & Compliance9 min read

Oklahoma City Abandoned Buildings: The Council List, the Quarterly Assessment, and the Lien That Outranks the Mortgage

Most cities make the owner register a vacant building. Oklahoma City inverts it: the City Council holds a hearing, declares the building abandoned, and orders the City Clerk to put it on an abandoned building list. From that point the city assesses its actual regulatory costs quarterly, files a notice of lien before abatement begins, and secures a lien the ordinance makes coequal with ad valorem taxes and superior to all other titles and liens. Getting off the list takes a written petition and a hearing within thirty days; clearing the lien takes full payment, and the fee schedule sets a release administrative cost of up to $550. This explains the trigger, the notice, the costs, and the lien.

Oklahoma City has no vacant property registry. There is no form to file, no annual fee, no renewal date. That sounds like relief until you read what replaced it. Under Chapter 35, Article IX of the Municipal Code, the City Council holds a hearing, declares a building abandoned, and orders the City Clerk to place it on an abandoned building list. From that moment the city assesses its actual costs of regulating the property every quarter, files a notice of lien before any abatement work starts, and ends up with a lien the ordinance makes coequal with ad valorem taxes and superior to every other title and lien on the property. Nobody sends you a registration reminder. The first Article IX document you get is a hearing notice, and it goes to the address on the tax roll — but by then the building has already been declared unsecured or dilapidated in a proceeding of its own.

What "Abandoned Building" Actually Means

Sec. 35-261 sets a two-part test, and both parts have to hold. The building must be not currently occupied, and it must have been declared an unsecured building or a dilapidated building under 11 O.S. Sec. 22-112 or Sec. 22-112.1 — and remain in that condition. "Owner" means the owner of record according to the current year's tax rolls, which is the first operational detail worth noting: the city's notice follows the tax roll, not the deed, not the servicer's correspondence address.

Sec. 35-262 declares abandoned buildings a nuisance and detrimental to the public health, safety or welfare of the city's inhabitants and visitors, and excludes land zoned and used for agricultural purposes. Everything else in the city is in scope, but the condition test does real work here. A vacant Oklahoma City building that is properly secured and in repair is not an abandoned building, no matter how long it has been empty. That is the opposite of a registration city, where vacancy alone triggers the obligation.

Because the trigger is borrowed from state law, the state definitions are the ones that bind. 11 O.S. Sec. 22-112.1(C)(11)(b) defines an unsecured building as a structure not occupied by its legal or equitable owner or that owner's lessee, with one or more unsecured openings — broken or unlocked windows and doors, holes in exterior walls or the roof, broken or unlocked basement or cellar hatchways, or other similar unsecured openings which would facilitate an unauthorized entry. The catch-all at the end does the heavy lifting: the list is illustrative, not exhaustive. One failed board-up or one unlocked back door is enough to meet it.

11 O.S. Sec. 22-112(C)(1) defines a dilapidated building through five clauses, and two of them are cumulative rather than conditional:

  • A structure which, through neglect or injury, lacks necessary repairs or otherwise is in a state of decay or partial ruin to such an extent that the structure is a hazard to the health, safety or welfare of the general public
  • A structure which is unfit for human occupancy due to the lack of necessary repairs and is considered uninhabitable or is a hazard to the health, safety, and welfare of the general public
  • A structure determined by the governing body or its administrative officer to be an unsecured building more than three times within any twelve-month period
  • A structure which has been boarded and secured, as defined in 11 O.S. Sec. 22-112.1, for more than six consecutive months
  • A structure declared by the governing body to be a public nuisance

Read the third and fourth clauses together and the operational consequence is clear. A property that keeps getting broken into meets the dilapidated-building definition on the fourth unsecured finding in a year, regardless of its physical condition, and a board-up left standing for more than six consecutive months brings the building inside the same definition on time alone. Meeting the definition is not the end of it — Sec. 22-112(A) still requires a hearing and a finding that the condition is detrimental, and Article IX needs an actual declaration — but it is what opens the door. Boarding and securing is what the statute measures: "the closing, boarding or locking of any or all exterior openings so as to prevent entry into the structure" (Sec. 22-112.1(C)(11)(a)). The six-month clock is the reason to replace boards with proper doors and locking hardware rather than leave them up through a slow disposition.

How a Building Gets on the List

Sec. 35-263 governs notice. The city must give at least ten days' notice before the City Council hearing. Notice is mailed to the owner per the tax rolls and to any mortgage holder of record in the county clerk's records, and a receipt of mailing must be obtained. If neither the owner nor a mortgage holder can be located, the city posts notice on the property and publishes it once in a newspaper under 11 O.S. Sec. 1-102, at least ten days before the hearing.

Article IX adds no cure period of its own. The contestable step came earlier: a building only qualifies once it has already been declared unsecured or dilapidated under 11 O.S. Sec. 22-112 or Sec. 22-112.1, and each of those carries its own track — at least ten days' notice mailed to the owner and any mortgage holder, a copy of the notice posted on the property, and a hearing. A servicer whose mailing address of record on the county tax roll is stale — a common state of affairs after a loan transfer — may learn about either hearing from the newspaper, or not at all.

At the hearing, Sec. 35-264 lets the Council order abatement of the nuisance and order the City Clerk to place the building on the abandoned building list. The abatement the Council may order includes a quarterly assessment of the actual costs of municipal regulatory action concerning the property, the costs of any police or fire protection action concerning it, and an assessment for any other actual expenses incurred in relation to the building, including but not limited to notices, mailings and publications. Before abatement begins, the City Clerk files a notice of lien with the county clerk, and from the date of that filing the costs become the personal obligation of the owner.

The Quarterly Assessment Is the Expensive Part

Most municipal vacant-property costs are a known annual number. Oklahoma City's is mostly actual cost — a running bill for whatever regulating the property costs the city, assessed every three months for as long as the building stays on the list. Police and fire responses are explicitly chargeable under Sec. 35-264(2)(b), and unlike the rest of the assessment they carry codified rates: $65.00 per responding officer per hour and $73.00 per responding firefighter per hour (Sec. 60-35-20). So are the notices, mailings and publications the city generates about the property — a category the ordinance states is not limited to those items, and one that plausibly reaches the cost of the listing process itself.

Sec. 35-265 sets the collection mechanism. Quarterly statements are mailed to the owner and to any mortgage holder. If a statement is unpaid six months from the date it was mailed, a lien in the actual amount of the abatement is filed, and it takes its priority from the date the original notice of lien went on record. The ordinance's words on that lien are worth reading closely: it "shall be coequal with the lien of ad valorem taxes and all other taxes and special assessments and shall be prior and superior to all other titles and liens against the property." A mineral interest severed from the surface interest and not owned by the surface owner is exempt from it.

That priority language is why this ordinance matters to a lender rather than only to an owner. A lien coequal with ad valorem taxes sits ahead of the mortgage. It is not a code fine competing for position — it is a tax-grade encumbrance accruing quarterly on an asset the servicer may be carrying toward a sale, and the mortgage holder receives the quarterly statements as a matter of course under Sec. 35-265, even though Sec. 35-264(3) makes the costs the owner's personal obligation.

What the City Charges When It Does the Work

The quarterly assessment covers regulatory cost. Physical work is priced separately in Chapter 60, and the figures there are administrative fees layered on top of the actual contract — the tier is set by the estimated cost of the contract, not charged in place of it.

Sources: Oklahoma City Municipal Code, Chapter 35, Article IX; Chapter 60, Sec. 60-35-17, 60-35-18, 60-35-20 and 60-35-21. Administrative fees are in addition to the cost of the work itself, and a 2.7% service fee is added to those administrative fees when payment is made by card. Sec. 60-35-22, which pertained to abandoned building monitoring, was repealed by Ordinance 27707 on October 8, 2024.
ChargeAmountWhen it appliesAuthority
Quarterly assessmentActual costs of municipal regulatory action, police or fire protection action, and other actual expenses including notices, mailings and publicationsEvery quarter a building is on the abandoned building listSec. 35-264
Boarding and securing an unsecured structureAdministrative fee of $350 to $1,350, tiered by estimated contract costCity boards and secures the buildingSec. 60-35-17
Demolition of a dilapidated structureAdministrative fee of $600 to $2,350, tiered by estimated contract costCity demolishes the buildingSec. 60-35-18
Abandoned building release administrative feeMaximum administrative cost of $550.00Release from the abandoned building list; Chapter 60 states the amount, not the triggerSec. 60-35-21
Police and fire abatement response$65.00 per responding officer per hour; $73.00 per responding firefighter per hourEach police or fire response to the buildingSec. 60-35-20

The board-up tiers run from $350 where the estimated contract cost is $1,000 or less, through $450, $550, $650, $750 and $1,000, to $1,350 where the estimated contract cost is above $10,000. The demolition tiers run from $600 where the estimated contract cost is $5,000 or less, through $750, $1,000, $1,250, $1,600 and $1,950, to $2,350 where the estimated contract cost is above $50,000. All four of these figures — board-up, demolition, police and fire response, and the release fee — were last set by Ordinance 27978 on November 18, 2025, so they are current rather than legacy — confirm with the city before budgeting, because the schedule is revised by ordinance.

There is a separate state-law collection route for board-up costs that does not depend on Article IX at all. Under 11 O.S. Sec. 22-112.1, after notice and a hearing the municipality may board and secure an unsecured building, and if the cost statement is unpaid thirty days after mailing the clerk certifies the amount to the county treasurer, who collects it with the taxes plus a $5.00 per-parcel fee. The same statute allows a second board-up within six months to be carried out summarily as a public nuisance where the original notice warned that it might be, with notice and a ten-day right to request an appeal following afterwards.

Getting Off the List

Sec. 35-266 gives both the owner and any mortgage holder standing to petition. The petition goes to the Development Services Director in writing, at any time after the Council's determination, and is filed with the City Clerk. A hearing follows within thirty days. Two limits matter. Removal is prospective only — the property and the owner remain liable for costs incurred before it. And once the amount owed is paid in full, a release of lien is filed within ten days, which means the lien survives removal from the list until the money is paid.

Sec. 35-267, added in 2017, provides the appeal: the property owner may appeal an order of the Development Services Director to the City Council by written notice filed within ten days after the order is delivered or mailed. The asymmetry is deliberate — Sec. 35-266 gives a mortgage holder standing to petition, but Sec. 35-267 gives the right of appeal to the owner alone. Ten days is the recurring number in this ordinance — ten days' notice before the hearing, ten days to appeal, ten days to get the release filed — and none of those windows are long enough to survive internal routing at a servicer that is not watching for them.

What This Means for an Oklahoma City Asset

The practical difference between Oklahoma City and a registration city is where the deadline sits. In Cleveland or Columbus the obligation starts on a date you can calendar and the risk is a fee you forgot to pay. In Oklahoma City there is nothing to calendar, and the risk is a condition finding at the state-law stage, which is where the exposure is actually decided. The whole exposure turns on whether the building is secure and in repair — because that is the statutory trigger, and because every cost in Article IX follows from crossing it.

  • Update the tax-roll mailing address after any transfer. It is the address the Article IX hearing notice goes to, and the ordinance requires no cure notice before it.
  • Treat each unsecured finding as a countable event. More than three in twelve months meets the dilapidated-building definition under 11 O.S. Sec. 22-112(C)(1)(c) on condition findings alone.
  • Date every board-up and replace it inside six months. A board-up standing longer than six consecutive months satisfies the dilapidated-building definition on its own, with no finding about the building's physical condition.
  • Watch for quarterly statements at the mortgage holder's address. The ordinance mails them to the lender as well as the owner, and six months from the mailing date turns the assessment into a lien coequal with property taxes.
  • Budget the release fee into any disposition. Removal from the list turns on the building's condition at the petition hearing; the release of lien waits on full payment, and Sec. 60-35-21 sets a maximum administrative cost of $550.00.

Tulsa approaches the same problem from the registration side — Tulsa's vacant building ordinance puts the filing duty on the owner — so a portfolio spread across both Oklahoma metros is managing two genuinely different compliance models, not one state standard with local variations. Grounds conditions follow a third track again, under the summary abatement authority in 11 O.S. Sec. 22-111.

Ethreon runs vacant property inspections, board-up and securing work across Oklahoma City. What keeps a building off the abandoned building list is unglamorous: openings that are actually secured, documented monthly, with the board-up dated so it does not age into a dilapidation finding.

Carrying a vacant building in Oklahoma City? Request a scope through the contact form and we will price the securing and inspection work that keeps it off the list.

Contact Ethreon

Frequently Asked Questions

1Does Oklahoma City require vacant property registration?

No. Oklahoma City has no owner-initiated vacant property registry. Chapter 35, Article IX of the Municipal Code works the other way around: the City Council holds a hearing, declares a building abandoned, and orders the City Clerk to place it on an abandoned building list (Sec. 35-264). The owner's role is reactive — responding to the notice before the hearing, and petitioning for removal afterwards.

2What makes a building "abandoned" in Oklahoma City?

Sec. 35-261 sets two conditions that must both hold. The building is not currently occupied, and it has been declared an unsecured building or a dilapidated building under 11 O.S. Sec. 22-112 or Sec. 22-112.1 and remains in that condition. A vacant building in good repair and properly secured does not meet the definition. Land zoned and used for agricultural purposes is excluded entirely (Sec. 35-262).

3How much does an Oklahoma City abandoned building cost the owner?

Four layers. First, a quarterly assessment of the actual costs of municipal regulatory action, together with assessments for any police or fire protection action and for any other actual expenses, including but not limited to notices, mailings and publications (Sec. 35-264(2)), billed quarterly under Sec. 35-265(1). Second, the police and fire element is rate-scheduled rather than open-ended: $65.00 per responding officer per hour and $73.00 per responding firefighter per hour (Sec. 60-35-20). Third, administrative fees if the city does the work: up to $1,350 to board and secure an unsecured structure and up to $2,350 to demolish a dilapidated one, tiered by the estimated contract cost, on top of the contract itself. Fourth, a release administrative fee with a maximum administrative cost of $550.00 (Sec. 60-35-21). A 2.7% service fee is added to those administrative fees when payment is made by card.

4What kind of lien does Oklahoma City file on an abandoned building?

A superior one. Before abatement begins, the City Clerk files a notice of lien with the county clerk, and from that filing date the costs become the personal obligation of the owner (Sec. 35-264). Quarterly statements go to the owner and any mortgage holder; if an amount is unpaid six months from the date the statement was mailed, a lien in the actual amount of the abatement is filed, taking its priority from the date the original notice of lien went on record (Sec. 35-265). The ordinance states the lien is coequal with the lien of ad valorem taxes and all other taxes and special assessments, and prior and superior to all other titles and liens against the property. A mineral interest severed from the surface interest and not owned by the surface owner is not subject to it.

5How do you get a property off the Oklahoma City abandoned building list?

The owner or any mortgage holder may petition the Development Services Director in writing at any time after the determination; the petition is filed with the City Clerk and a hearing follows within thirty days (Sec. 35-266). Removal is not retroactive — the property and the owner stay liable for costs incurred before it. Once the amount owed is paid in full, a release of lien is filed within ten days. An appeal from the administrative order goes to the City Council within ten days, and Sec. 35-267 gives that right to the property owner rather than to a mortgage holder.

6What counts as an unsecured building under Oklahoma law?

11 O.S. Sec. 22-112.1(C)(11)(b) defines it as a structure not occupied by its legal or equitable owner, or by that owner's lessee, with one or more unsecured openings — broken or unlocked windows and doors, holes in exterior walls or the roof, broken or unlocked basement or cellar hatchways, or other similar unsecured openings which would facilitate an unauthorized entry into the structure. That definition matters in Oklahoma City because being found unsecured is one of the two routes onto the abandoned building list, and because being found unsecured more than three times in any twelve-month period makes the building dilapidated outright under Sec. 22-112(C).

7Who gets notice before the City Council hearing?

Sec. 35-263 requires at least ten days' notice before the hearing, mailed to the owner of record shown on the current year's tax rolls and to any mortgage holder of record in the county clerk's records, with a receipt of mailing obtained. If neither can be located, the city posts the notice on the property and publishes it once in a newspaper under 11 O.S. Sec. 1-102, at least ten days before the hearing. A servicer that does not monitor the tax-roll address of record can miss the only notice it will get.

Keep Reading

More guides for property teams.

REO & Compliance

FHA Property Preservation Requirements: What Servicers Must Know

FHA preservation requirements are stricter than conventional REO — shorter timelines, more documentation, and specific conveyance standards that trip up vendors who treat them the same. This breaks down the exact deadlines, photo requirements, and compliance mistakes that trigger chargebacks.

REO & Compliance

Mortgage Servicer Property Preservation Requirements: What CFPB, Fannie Mae, and HUD Require on Vacant Properties

Mortgage servicers are required to inspect, secure, winterize, and maintain vacant properties on delinquent and defaulted loans — and the CFPB is actively examining whether the fees they charge borrowers for that work comply with federal rules. This covers the preservation requirements that Fannie Mae, FHA/HUD, and Regulation X impose on servicers, the timelines they must meet, and what happens when a servicer fails to preserve a property or charges fees it should not.

REO & Compliance

Code Enforcement Fines for Overgrown Lots: What Cities Charge and How Liens Attach

An overgrown lot is the most common code violation on vacant and rental property — and the most expensive to ignore. Fines range from $50 to $2,000 per day, cities can mow the lot and bill the owner $200 to $500 per visit, and unpaid abatement costs become liens that block sale or refinancing. This covers how the enforcement process works, what it costs, and how to prevent it.