1620 Riggs Dr, Ponca City, OK 74601 Property Records

Kay County property record for 1620 Riggs Dr, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 856 sqft · built 1954
Lot Size	0.153 acres (6,665 sqft)
Owner	Individual Name on Record
Last Sale	$26,000 (Jun 1995)
Tax Bill	$185 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1180-00-006-011-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`1180-00-006-011-0-000-00`
Alternative APN	`8838`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	856 sqft Living Area
1st Floor Area	856 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Traditional
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,665 sqft (0.153 acres)
Lot Dimensions	111 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	40 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	8838
Street Address	1620 RIGGS DR
City	PONCA CITY
State	OK
Zip	74601-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C - RIGGS ADD BLK 6 LOT 11
Legal Range	02E
Legal Township	26N
Legal Section	21
Legal Subdivision	RIGGS
Legal Block	6
Legal Lot Number	11
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1003
Census Tract	100

Owner

Source: Kay County records, as of October 9, 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	1620 RIGGS DR, PONCA CITY, OK 74601-2335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit CHEROKEE STRIP CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 1995 · Amount on Record
Deed Sale	Jun 12, 1995 · Amount on Record
Deed Book / Page	926 / 502
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	1620 RIGGS DR, PONCA CITY, OK 74601-2335
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2022008699
Date	Nov 9, 2022
Book Page	1921/640
Instrument	I-2022-008699

Lender

Name	LUMINATE BANK
Type	Bank
Address	WICHITA, KS 67207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	6%
Max Rate At Change	8%
Index	Other
Max Rate	12%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	1620 RIGGS DR, PONCA CITY, OK 74601-2335
Document Number	0000005839
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 RIGGS DR PONCA CITY OK 746012335, PONCA CITY, OK 74601-2335

Mortgage

Document Number	0000005839
Date	Aug 12, 2019
Book Page	001813/000374
Instrument	5839

Lender

Name	CHEROKEE STRIP CU
Type	Credit Union
Address	PONCA CITY, OK 74604

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 11, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kay County assessment roll, as of January 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,028 (+3.03%) Land $440 Building $2,588	$27,519 (-42.52%) Land $3,996 Building $23,523
2025	$185.00 (+5.11%) Homeowner's exemption	$2,939 (+2.98%) Land $440 Building $2,499	$47,876 (-4.02%) Land $3,996 Building $43,880
2024	$176.00 (+2.92%) Homeowner's exemption	$2,854 (+3%) Land $440 Building $2,414	$49,883 (+3.32%) Land $3,996 Building $45,887
2023	$171.00 Homeowner's exemption	$2,771 Land $440 Building $2,331	$48,279 Land $3,996 Building $44,283

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 August 23, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	13 (1979–2002)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Jun 2002 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, May 1987 · 10 claims

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Oklahoma
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ponca City Utility Authority Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Chisholm Broadband, Nextlink.

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