10078 Co Rd 445, Jay, OK 74346 Property Records

Delaware County property record for 10078 Co Rd 445, Jay, OK 74346

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,370 sqft · built 2002
Lot Size	5.22 acres (227,383 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Jul 2024)
Tax Bill	$1,511 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit
Flood Zone	Zone A (high risk)
APN	`22N23E-14-3-00000-000-0000`

Property Details

APN / Parcel Number

Primary APN	`22N23E-14-3-00000-000-0000`
Alternative APNs	`0073189` `73189`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,370 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Metal
Lot Area	227,383 sqft (5.22 acres)

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	448 sqft
Porch	Slab
Porch Area	1,312 sqft
Shed	1 Shed
Shed Area	360 sqft
Lean-To	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	73189
Street Address	10078 COUNTY ROAD 445
State	OK
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-22-23 PT SW DESCRIBED AS: BEG AT INTERSECTION OF THE N LINE OF RATTLESNAKE HOLLOW RD & THE W BOUND OF SEC 14, N 660', E 66
Legal Range	23E
Legal Township	22N
Legal Section	14
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	3
Census Block	3054
Census Tract	376000

Owner

10078 Co Rd 445 is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	10078 COUNTY ROAD 445, OK
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Also Known As (AKA)

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2024 · Amount on File
Deed Sale	Jul 18, 2024 · Amount on File
Deed Document Number	20246061
Deed Book / Page	2546 / 224
Prior Transfer Date	Apr 16, 2024
Prior Transfer Doc	002532/383
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELAWARE OK
Recording Date	Jan 4, 2024
Property Address	10078 COUNTY ROAD 445, JAY, OK 74346-6659
Document Number	002518/438
Book / Page	2518 / 438
Instrument Date	Dec 12, 2023
Instrument	I-2024-000151
Transaction Type	Transfer
Record Updated	May 2, 2024
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2024000152
Date	Jan 4, 2024
Instrument	I-2024-000152

Lender

Name	GRAND SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10078 Co Rd 445 was $1,511 with a homeowner's exemption, up 1.1% from the year before.

Source: Delaware County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Delaware County
Unified School District	Jay Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$18,481 (+3%) Land $1,548 Building $16,933	$160,708 (-48%) Land $13,465 Building $147,243
2025	$1,511.00 (+1.14%) Homeowner's exemption	$17,943 (+3%) Land $1,503 Building $16,440	$309,065 (+2.96%) Land $16,470 Building $292,595
2024	$1,494.00 (+6.03%) Homeowner's exemption	$17,421 (+3%) Land $1,460 Building $15,961	$300,171 (+12.95%) Land $20,220 Building $279,951
2023	$1,409.00 Homeowner's exemption	$16,913 Land $1,434 Building $15,479	$265,745 Land $14,970 Building $250,775

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 10078 Co Rd 445 in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10078 Co Rd 445 is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · lower than 63% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	JAY serves 2,482 people · EPA ID OK1021674
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Grand Telephone Company DSL	25 / 3