Payne County property record for 207 Joy Ln, Cushing, OK 74023
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,882 sqft · built 2011 |
| Lot Size | 2.56 acres (111,514 sqft) |
| Owner | Company Name on Record |
| Last Sale | $345,000 (Jun 2023) |
| Tax Bill | $4,231 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17N05E-01-1-00000-000-0007 |
| Primary APN | 17N05E-01-1-00000-000-0007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 2,882 sqft Living Area |
| 1st Floor Area | 2,181 sqft |
| 2nd Floor Area | 701 sqft |
| Cellar | Cellar |
| Storm Shelter | Storm Shelter |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 111,514 sqft (2.56 acres) |
| Garage Type | Built-in |
| Garage Area | 642 sqft |
| Pool Area | 468 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 375 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 77830 |
|---|---|
| Street Address | 207 JOY LN |
| City | CUSHING |
| State | OK |
| Zip | 74023-8751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 01-17N-05E A-7 (2.56ACM/L) BEG 1320.07'N & 645.40'S & 80'S36^W SE/C NE/4; S38^E-483.70' S36^W-182' N51^W-465.90' N36^E-289.60 |
| Legal Range | 05E |
| Legal Township | 17N |
| Legal Section | 01 |
| Legal Subdivision | 17N-05E |
| Jurisdiction | PAYNE OK |
| Township / Civil Division | CUSHING |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 11301 |
Source: Payne 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 | Company Name on Record |
|---|---|
| Mailing Address | 1015 S LITTLE AVE, CUSHING, OK 74023-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Line of Credit BANCFIRST |
| Mar 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 22, 2025 | Warranty Deed, Transfer UNKNOWN, OCTS |
| Jun 5, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2023 · Amount on Record |
| Deed Sale | Jun 5, 2023 · Amount on Record |
| Prior Sale | Aug 25, 2017 · Amount on Record |
| Deed Document Number | 20235210 |
| Deed Book / Page | 2752 / 262 |
| Last Transfer Date | Apr 21, 2025 |
| Transfer Doc | 0000003937 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Apr 23, 2026 |
| Property Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Document Number | 0000004290 |
| Book / Page | 2934 / 280 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 20264290 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Document Number | 0000004290, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 2934/280 |
| Instrument | 20264290 |
| Name | BANCFIRST |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PAYNE OK |
| Property Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Document Number | 0029260180 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 2926/180 |
| Instrument | I-2026-002600 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Apr 22, 2025 |
| Property Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Document Number | 0028570551 |
| Book / Page | 2857 / 551 |
| Instrument Date | Apr 21, 2025 |
| Instrument | I-2025-003938 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | UNKNOWN, OCTS |
| Amount | Amount Recorded |
|---|---|
| Tax | $52.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PAYNE OK |
| Recording Date | Jun 5, 2023 |
| Property Address | 207 JOY LN, CUSHING, OK 74023-8751 |
| Document Number | 0027520262 |
| Book / Page | 2752 / 262 |
| Instrument Date | May 16, 2023 |
| Instrument | I-2023-005210 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | AMERICAN EAGLE TITLE INSURANCE COMPANY, AMERICAN EAGLE TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 810 VERMONT AVE NW, WASHINGTON, DC 20420-0001 |
| Name | Verified Name |
|---|---|
| Address | 790654 S 3580 RD, DEPEW, OK 74028-3586 |
| Document Number | I2023005211 |
|---|---|
| Date | Jun 5, 2023 |
| Instrument | I-2023-005211 |
| Name | CORNERSTONE HOME LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
Source: Payne County assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Payne County |
| Unified School District | Cushing Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $50,172 (-1.38%) Land $3,242 Building $46,930 | $440,108 (-1.38%) Land $28,440 Building $411,668 | |
| 2025 | $4,231.00 (-1.88%) | $50,874 (-) Land $2,822 Building $48,052 | |
| 2024 | $4,312.00 (-0.94%) | $50,874 (-1.45%) Land $2,822 Building $48,052 | $446,270 (-1.45%) Land $24,760 Building $421,510 |
| 2023 | $4,353.00 (+25.66%) | $51,621 (+23.96%) Land $2,061 Building $49,560 | $452,820 (+8.63%) Land $18,080 Building $434,740 |
| 2022 | $3,464.00 Homeowner's exemption | $41,643 Land $2,023 Building $39,620 | $416,840 Land $20,250 Building $396,590 |
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.
Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 74% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CUSHING serves 8,371 people · EPA ID OK2006061 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Atlink Services Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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