16303 Co Rd 3581, Ada, OK 74820 Property Records

Pontotoc County property record for 16303 Co Rd 3581, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1977
Lot Size	0.566 acres (24,668 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Apr 2022)
Tax Bill	$2,997 (2025)
Deeds & Mortgages	Jan 2019 Second Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18305`

Property Details

APN / Parcel Number

Primary APN	`18305`
Alternative APN	`0800-00-000-012-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	1,593 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	24,668 sqft (0.566 acres)
Lot Dimensions	164 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	160 sqft
Patio Area	72 sqft
Storage Building	49 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18305
Street Address	16303 COUNTY ROAD 3581
City	ADA
State	OK
Zip	74820-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 HARDING ADD. TO LAKEWOOD
Legal Subdivision	HARDING ADD. TO LAKEWOOK - SD 19- NW 12
Legal Lot Number	12
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1040
Census Tract	88801

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	2 Individual Names on Record
Mailing Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES OF AMERICA
Nov 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 22, 2022	Warranty Deed, Transfer · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Dec 17, 2021	Warranty Deed, Transfer · Conventional Mortgage VISION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on Record
Deed Sale	Apr 22, 2022 · Amount on Record
Prior Sale	Dec 17, 2021 · Amount on Record
Deed Document Number	20222337
Deed Book / Page	3604 / 249
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003274/048
Date	Jan 17, 2019
Book Page	3274/048
Instrument	2019-000265

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	OKLAHOMA CITY, OK 73145

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2034

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003446/168
Date	Nov 4, 2020
Book Page	3446/168
Instrument	2020-006033

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2050

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Apr 22, 2022
Property Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332
Document Number	003604/249
Book / Page	3604 / 249
Instrument Date	Apr 11, 2022
Instrument	I-2022-002337
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIRSTITLE AND ABSTRACT SERVICES INC, FIRSTITLE & ABSTRACT SVCS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332

Mortgage

Document Number	I2022002338
Date	Apr 22, 2022
Instrument	I-2022-002338

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Dec 17, 2021
Property Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332
Document Number	003568/183
Book / Page	3568 / 183
Instrument Date	Dec 17, 2021
Instrument	I-2021-007678
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16303 COUNTY ROAD 3581, ADA, OK 74820-1332

Mortgage

Document Number	I2021007679
Date	Dec 17, 2021
Instrument	I-2021-007679

Lender

Name	VISION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 17, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,525 (+2.43%) Land $3,600 Building $25,925	$246,040 (+2.43%) Land $30,000 Building $216,040
2025	$2,997.00 (+1.28%)	$28,825 (-3.67%) Land $3,600 Building $25,225	$240,202 (-3.67%) Land $30,000 Building $210,202
2024	$2,959.00 (+0.44%)	$29,922 (+4.63%) Land $3,600 Building $26,322	$249,355 (+4.63%) Land $30,000 Building $219,355
2023	$2,946.00	$28,598 Land $3,300 Building $25,298	$238,315 Land $27,500 Building $210,815

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Moderate above 60% of the US · lower than 78% of Oklahoma
Wildfire Likelihood	0.2% 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	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 18 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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