1231 Bernard St, Ada, OK 74820 Property Records

Pontotoc County property record for 1231 Bernard St, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,353 sqft · built 1971
Lot Size	0.199 acres (8,680 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2022)
Tax Bill	$1,613 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15285`

Property Details

APN / Parcel Number

Primary APN	`15285`
Alternative APN	`0315-00-008-009-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,353 sqft Living Area
1st Floor Area	1,353 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	8,680 sqft (0.199 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	273 sqft
Patio Area	117 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15285
Street Address	1231 BERNARD ST
City	ADA
State	OK
Zip	74820-8065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLOCK 8 THOMPSON HOWARD ADDITION
Legal Subdivision	THOMPSON HOWARD -ADA SD-NE 5-3-6
Legal Block	8
Legal Lot Number	9
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	2
Census Block	2002
Census Tract	89300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1231 BERNARD ST, ADA, OK 74820-8065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Warranty Deed, Transfer · FHA Mortgage BANK2
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage VISION BANK
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage VISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	20222614
Deed Book / Page	3609 / 60
Prior Transfer Date	Mar 3, 2006
Prior Transfer Doc	2067/277
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	May 6, 2022
Property Address	1231 BERNARD ST, ADA, OK 74820-8065
Document Number	0003609/60
Book / Page	3609 / 60
Instrument Date	May 5, 2022
Instrument	I-2022-002614
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	NOT AVAILABLE, HOME TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1231 BERNARD ST, ADA, OK 74820-8065

Mortgage

Document Number	I2022002615
Date	May 6, 2022
Instrument	I-2022-002615

Lender

Name	BANK2
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	1231 BERNARD ST, ADA, OK 74820-8065
Transaction Type	Mortgage
Record Updated	Oct 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3342/106
Date	Oct 4, 2019
Book Page	3342/106
Instrument	2019-005400

Lender

Name	VISION BANK
Type	Bank
Address	ADA, OK 74821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jul 2, 2019
Property Address	1231 BERNARD ST, ADA, OK 74820-8065
Document Number	003316/263
Book / Page	3316 / 263
Instrument Date	Jun 28, 2019
Instrument	2019-003386
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1231 BERNARD ST, ADA, OK 74820-8065

Mortgage

Document Number	2019003387
Date	Jul 2, 2019
Instrument	2019-003387

Lender

Name	VISION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2020

Tax Assessment & Valuation

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		$16,670 (+1.07%) Land $2,400 Building $14,270	$138,912 (+1.07%) Land $20,000 Building $118,912
2025	$1,613.00 (+1.26%) Homeowner's exemption	$16,493 (-0.25%) Land $2,400 Building $14,093	$137,441 (-0.24%) Land $20,000 Building $117,441
2024	$1,593.00 (+1.66%) Homeowner's exemption	$16,534 (+2.11%) Land $2,100 Building $14,434	$137,777 (+2.11%) Land $17,500 Building $120,277
2023	$1,567.00 Homeowner's exemption	$16,192 Land $2,100 Building $14,092	$134,930 Land $17,500 Building $117,430

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

Source: FEMA National Flood Hazard Layer, effective July 17, 2012

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	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
360 Broadband Fixed Wireless	400 / 50
Atlink Services Fixed Wireless	100 / 20

May also be available: AT&T.

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