114 Ray St, Ada, OK 74820 Property Records

Pontotoc County property record for 114 Ray St, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,434 sqft · built 1950
Lot Size	0.22 acres (9,600 sqft)
Owner	Company Name on File
Last Sale	$90,000 (Sep 2026)
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Sep 2026 Sale Jan 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15408`

Property Details

APN / Parcel Number

Primary APN	`15408`
Alternative APN	`0340-00-011-000-0-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	128 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Patio Area	138 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	15408
Street Address	114 RAY ST
City	ADA
State	OK
Zip	74820-8336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG. 350' E OF SW/C & 20' N OF BDRY. LINE LOT 11 -N 128'-E 75'-S 128'- W 75' TO POB OF BLOCK 11 VALLEY VIEW SUB.
Legal Subdivision	VALLEY VIEW -ADA SD- SE 4-3-6
Legal Block	11
Legal Lot Number	11
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1027
Census Tract	89300

Owner

114 Ray St is owned by a company that bought it in September 2026.

Source: Pontotoc County records, as of October 2, 2026

Owner of Record	Company Name on File
Mailing Address	115 N BROADWAY AVE, ADA, OK 74820-5003
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Sep 23, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 8, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST
Feb 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage VISION BANK NA
Jul 5, 2023	Warranty Deed, Transfer NOT AVAILABLE, HOME TITLE
Mar 30, 2020	Sheriff's Deed, Foreclosure
Apr 5, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK OF ADA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on File
Deed Sale	Sep 23, 2026 · Amount on File
Prior Sale	Jul 5, 2023 · Amount on File
Deed Document Number	20265627
Deed Book / Page	4053 / 23
Prior Transfer Date	Mar 17, 2020
Prior Transfer Doc	0003383/39
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Sep 23, 2026
Property Address	114 RAY ST, ADA, OK 74820-8336
Document Number	0000005627
Book / Page	4053 / 23
Instrument Date	Sep 23, 2026
Instrument	20265627
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$13,635.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	114 RAY ST, ADA, OK 74820-8336
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E 12TH ST, ADA, OK 74820-6502

Mortgage

Document Number	003759/185
Date	Jan 8, 2024
Book Page	3759/185
Instrument	I-2024-000087

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank
Address	ADA, OK 74821

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	114 RAY ST, ADA, OK 74820-8336
Transaction Type	Mortgage
Record Updated	Jul 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003189/015
Date	Feb 6, 2018
Book Page	3189/015
Instrument	2018-000704

Lender

Name	VISION BANK NA
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jan 5, 2019

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jul 5, 2023
Property Address	114 RAY ST, ADA, OK 74820-8336
Document Number	003713/217
Book / Page	3713 / 217
Instrument Date	Jul 5, 2023
Instrument	I-2023-003452
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	NOT AVAILABLE, HOME TITLE

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E 12TH ST, ADA, OK 74820-6502

March 2020: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	PONTOTOC OK
Recording Date	Mar 30, 2020
Property Address	114 RAY ST, ADA, OK 74820-8336
Document Number	0003383/39
Book / Page	3383 / 39
Instrument Date	Mar 17, 2020
Instrument	2020-001588
Transaction Type	Foreclosure
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 HIGHLAND DR, LEWISVILLE, TX 75067-4488

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Apr 5, 2019
Property Address	114 RAY ST, ADA, OK 74820-8336
Document Number	003295/049
Book / Page	3295 / 049
Instrument Date	Apr 5, 2019
Instrument	2019-001702
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	NOT AVAILABLE, HOME TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 RAY ST, ADA, OK 74820-8336

Mortgage

Document Number	2019001703
Date	Apr 5, 2019
Instrument	2019-001703

Lender

Name	CITIZENS BANK OF ADA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 114 Ray St was $1,248, up 1.2% from the year before.

Source: Pontotoc County assessment roll, as of January 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$12,591 (+5.01%) Land $2,205 Building $10,386	$104,920 (+5%) Land $18,375 Building $86,545
2025	$1,248.00 (+1.22%)	$11,990 (-0.08%) Land $2,100 Building $9,890	$99,924 (-0.08%) Land $17,500 Building $82,424
2024	$1,233.00 (+14.17%)	$12,000 (+14.61%) Land $2,100 Building $9,900	$99,999 (+0.28%) Land $17,500 Building $82,499
2023	$1,080.00 (+3.35%)	$10,470 (+5%) Land $2,100 Building $8,370	$99,718 (+20.01%) Land $17,500 Building $82,218
2022	$1,045.00	$9,971 Land $2,100 Building $7,871	$83,092 Land $17,500 Building $65,592

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 114 Ray St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.

Source: FEMA National Flood Hazard Layer, effective July 17, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	6 (2009–2025)
Claims Outside the SFHA	2 of 6
Most Recent Claim	May 2025 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 114 Ray St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 85% of Oklahoma
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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	ADA serves 22,600 people · EPA ID OK2006201
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Atlink Services Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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