16381 Co Rd 3581, Ada, OK 74820 Property Records

Pontotoc County property record for 16381 Co Rd 3581, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,963 sqft · built 1978
Lot Size	0.563 acres (24,549 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Aug 2021)
Tax Bill	$2,981 (2024)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18309`

Property Details

APN / Parcel Number

Primary APN	`18309`
Alternative APN	`0800-00-000-016-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,963 sqft Living Area
1st Floor Area	1,963 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	24,549 sqft (0.563 acres)
Lot Dimensions	169 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Patio Area	48 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18309
Street Address	16381 COUNTY ROAD 3581
City	ADA
State	OK
Zip	74820-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 HARDING ADD. TO LAKEWOOD
Legal Subdivision	HARDING ADD. TO LAKEWOOK - SD 19- NW 12
Legal Lot Number	16
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	16381 COUNTY ROAD 3581, ADA, OK 74820-1332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Mar 12, 2007 · Amount on Record
Deed Document Number	20215280
Deed Book / Page	3535 / 165
Prior Transfer Date	Mar 4, 2007
Prior Transfer Doc	2158/245
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Aug 19, 2021
Property Address	16381 COUNTY ROAD 3581, ADA, OK 74820-1332
Document Number	3535/165
Book / Page	3535 / 165
Instrument Date	Aug 19, 2021
Instrument	2021-005280
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	NOT AVAILABLE, HOME TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Amount Accuracy	Full Amount Stated
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	16381 COUNTY ROAD 3581, ADA, OK 74820-1332

Mortgage

Document Number	2021005281
Date	Aug 19, 2021
Instrument	2021-005281

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$29,943 (+1.17%) Land $4,200 Building $25,743	$249,530 (+1.16%) Land $35,000 Building $214,530
2025		$29,598 (+2.77%) Land $4,200 Building $25,398	$246,657 (+2.77%) Land $35,000 Building $211,657
2024	$2,981.00 (+4.09%)
2023	$2,864.00 Homeowner's exemption	$28,800 Land $4,200 Building $24,600	$240,000 Land $35,000 Building $205,000

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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