Kay County property record for 1208 Memory Ln, Ponca City, OK 74601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,550 sqft · built 1977 |
| Lot Size | 2.95 acres (128,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $87,500 (Mar 2020) |
| Tax Bill | $935 (2025) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Dec 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 24028 |
| Primary APN | 24028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 1,550 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 128,502 sqft (2.95 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 24028 |
|---|---|
| Street Address | 1208 MEMORY LN |
| City | PONCA CITY |
| State | OK |
| Zip | 74601-1082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KILDARE TWP - 27-27-2E TR BEG SE/C NE/4 TH N 330.04' TO SE/C N/2 SE/4 NE/4 TH N88DEGW 33.93' TO POB, TH CON'T N88DEGW 850' N |
| Legal Range | 02E |
| Legal Township | 27N |
| Legal Section | 27 |
| Legal Subdivision | KILDARE TOWNSHIP |
| Legal Block | 27 |
| Legal Lot Number | 2E |
| Jurisdiction | KAY OK |
| Township / Civil Division | PONCA CITY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 600 |
1208 Memory Ln is owned and occupied by two individuals who bought it in March 2020.
Source: Kay County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1208 MEMORY LN, PONCA CITY, OK 74601-1082 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED FIDELITY FUNDING CORP |
| Dec 17, 2019 | Loan Modification, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2020 · Amount on File |
| Deed Sale | Mar 30, 2020 · Amount on File |
| Prior Sale | Apr 21, 1999 · Amount on File |
| Deed Document Number | 20202428 |
| Deed Book / Page | 1832 / 678 |
| Prior Transfer Date | Mar 27, 2020 |
| Prior Transfer Doc | 0000002426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Mar 30, 2020 |
| Property Address | 1208 MEMORY LN, PONCA CITY, OK 74601-1082 |
| Document Number | 0000002428 |
| Book / Page | 1832 / 678 |
| Instrument Date | Mar 27, 2020 |
| Instrument | 2020-002428 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | SECURITY TITLE SERVICE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000002429 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 2020-002429 |
| Name | UNITED FIDELITY FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KAY OK |
| Property Address | 1208 MEMORY LN, PONCA CITY, OK 74601-1082 |
| Document Number | 0000000328 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1208 MEMORY LN PONCA CITY OK 746011082, PONCA CITY, OK 74601-1082 |
| Document Number | 0000000328 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 001826/000235 |
| Instrument | 328 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | DENVER, CO 80249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Jan 13, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
The 2025 property tax bill for 1208 Memory Ln was $935, up 11.2% from the year before.
Source: Kay County assessment roll, as of January 16, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Kay County |
| Elementary School District | Kildare Public School (PK - 12) |
| Unified School District | Ponca City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,700 (+5.01%) Land $1,055 Building $10,645 | $106,355 (-16.53%) Land $9,588 Building $96,767 | |
| 2025 | $935.00 (+11.18%) | $11,142 (+4.99%) Land $1,055 Building $10,087 | $127,417 (-8.42%) Land $9,588 Building $117,829 |
| 2024 | $841.00 (+4.99%) | $10,612 (+5%) Land $1,055 Building $9,557 | $139,131 (+12.06%) Land $9,588 Building $129,543 |
| 2023 | $801.00 | $10,107 Land $1,055 Building $9,052 | $124,163 Land $9,588 Building $114,575 |
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.
FEMA maps place 1208 Memory Ln in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1988.
Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · 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 Policies | 9 in force |
| Nearby Flood Claims | 14 (1988–2026) |
| Claims Outside the SFHA | 1 of 14 |
| Most Recent Claim | Jun 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 1208 Memory Ln is moderate, ranking above 52% of the US, with a 0.08% annual chance of 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KAY CO RWD #3 serves 1,000 people · EPA ID OK3003602 |
|---|---|
| Water Source | Purchased surface water from PONCA CITY MUN WATER |
| Last State Inspection | Oct 2022 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ponca City Utility Authority Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
| Nextlink Fixed Wireless | 100 / 20 |
| KanOkla Communications Fixed Wireless | 100 / 20 |
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