109 W Gray St, Jay, OK 74346 Property Records

Delaware County property record for 109 W Gray St, Jay, OK 74346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Oct 2026)
Tax Bill	$331 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23N23E-36-0-50170-053-0014`

Property Details

APN / Parcel Number

Primary APN	`23N23E-36-0-50170-053-0014`
Alternative APNs	`0014647` `14647`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Lean-To	240 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	14647
Street Address	109 W GRAY ST
City	JAY
State	OK
Zip	74346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CREEKMORE LOTS 13, 14 BLOCK 53 861-42
Legal Range	23E
Legal Township	23N
Legal Section	36
Legal Subdivision	JAY-CREEKMORE
Legal Block	53
Legal Lot Number	13,14
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	2
Census Block	2046
Census Tract	376000

Owner

Source: Delaware County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	109 W GRAY ST, JAY, OK 74346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	Apr 19, 1995 · Amount on Record
Deed Document Number	20269098
Deed Book / Page	2681 / 125
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Oct 5, 2026
Property Address	109 W GRAY ST, JAY, OK 74346
Document Number	0000009098
Book / Page	2681 / 125
Instrument Date	Sep 14, 2026
Instrument	20269098
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$18,028.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009099,
Date	Oct 5, 2026
Instrument	20269099

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000009100,
Date	Oct 5, 2026
Book Page	2681/143
Instrument	20269100

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,714 (-) Land $695 Building $5,019	$49,685 (-54.06%) Land $6,041 Building $43,644
2025	$331.00 (+0.91%) Homeowner's exemption	$5,714 (-) Land $700 Building $5,014	$108,161 (-) Land $13,250 Building $94,911
2024	$328.00 (-0.3%) Homeowner's exemption	$5,714 (-) Land $700 Building $5,014	$108,161 (+22.39%) Land $13,250 Building $94,911
2023	$329.00 Homeowner's exemption	$5,714 Land $517 Building $5,197	$88,377 Land $8,000 Building $80,377

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 52% of the US · lower than 84% of Oklahoma
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Grand Telephone Company Fiber	200 / 200

May also be available: Verizon.

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