18086 Co Rd 1520, Ada, OK 74820 Property Records

Pontotoc County property record for 18086 Co Rd 1520, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2013
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,407 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31746`

Property Details

APN / Parcel Number

Primary APN	`31746`
Alternative APN	`0000-13-004-006-0-062-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft

Exterior

Year Built	Built 2013
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31746
Street Address	18086 COUNTY ROAD 1520
City	ADA
State	OK
Zip	74820-0929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PT W2 SW SW COMM SW/C; S8940'50E378.50' TO POB; N0019'10E208.71'; S8940'50E208.71'; S0019'10W208.71'; N89*40'50W208.71'
Legal Range	06E
Legal Township	04N
Legal Section	13
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1022
Census Tract	88802

Owner

Source: Pontotoc County records, as of January 22, 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	18086 COUNTY ROAD 1520, ADA, OK 74820-0929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Construction Mortgage VISIONBANK OF IA
Aug 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage VISION BANK NA
Jul 26, 2017	Deed of Trust, Mortgage · Construction Mortgage VISION BANK NA
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage VISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Recording Date	Aug 7, 2026
Property Address	18086 COUNTY ROAD 1520, ADA, OK 74820-0929
Document Number	0000004671
Book / Page	4037 / 305
Instrument Date	Jul 24, 2026
Instrument	20264671
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000004671,
Date	Aug 7, 2026
Book Page	4037/305
Instrument	20264671

Lender

Name	VISIONBANK OF IA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	18086 COUNTY ROAD 1520, ADA, OK 74820-0929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3244/102
Date	Aug 31, 2018
Book Page	3244/102
Instrument	2018-004868

Lender

Name	VISION BANK NA
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	18086 COUNTY ROAD 1520, ADA, OK 74820-0929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3137/001
Date	Jul 26, 2017
Book Page	3137/001
Instrument	2017-003806

Lender

Name	VISION BANK NA
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 24, 2018

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	18086 COUNTY ROAD 1520, ADA, OK 74820-0929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3383/266
Date	Mar 31, 2020
Book Page	3383/266
Instrument	2020-001627

Lender

Name	VISION BANK
Type	Bank
Address	ADA, OK 74821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of October 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,407.00 (+0.21%) Homeowner's exemption	$16,589 (+3%) Land $1,500 Building $15,089	$170,934 (-4.9%) Land $12,500 Building $158,434
2024	$1,404.00 (+23.05%) Homeowner's exemption	$16,106 (+3%) Land $1,500 Building $14,606	$179,738 (+8.43%) Land $12,500 Building $167,238
2023	$1,141.00 Homeowner's exemption	$15,637 Land $1,500 Building $14,137	$165,767 Land $12,500 Building $153,267

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	High above 86% of the US · above 75% of Oklahoma
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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	PONTOTOC CO RWD # 7 serves 4,863 people · EPA ID OK3006215
Water Source	Purchased groundwater from ADA
Last State Inspection	Oct 2025
Lead	2 ppb (2022–2024) 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BLS Broadband Fixed Wireless	500 / 500
360 Broadband Fixed Wireless	400 / 50
Atlink Services Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	25 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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