2115 Cedar St, Ponca City, OK 74604 Property Records

Kay County property record for 2115 Cedar St, Ponca City, OK 74604

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,699 sqft · built 1948
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$109,000 (Sep 2022)
Tax Bill	$1,164 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`0300-00-002-019-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`0300-00-002-019-0-000-00`
Alternative APN	`2102`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,699 sqft Living Area
1st Floor Area	1,123 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1992
Architectural Style	Traditional
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	2102
Street Address	2115 CEDAR ST
City	PONCA CITY
State	OK
Zip	74604-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C - CRAWFORD PARK BLK 2 W400' LOT 19 ...MOTHER & DAUGHTER
Legal Range	02E
Legal Township	26N
Legal Section	14
Legal Subdivision	CRAWFORD PARK
Legal Block	2
Legal Lot Number	19
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1012
Census Tract	202

Owner

2115 Cedar St is owned and occupied by two individuals who bought it in September 2022.

Source: Kay County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2115 CEDAR ST, PONCA CITY, OK 74604-2510
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Warranty Deed, Transfer · FHA Mortgage SENTE MORTGAGE INC
Mar 3, 2020	Warranty Deed, Transfer SECURITY TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2022 · Amount on File
Deed Sale	Sep 28, 2022 · Amount on File
Prior Sale	Jun 24, 2022 · Amount on File
Deed Document Number	20227472
Deed Book / Page	1918 / 329
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Sep 28, 2022
Property Address	2115 CEDAR ST, PONCA CITY, OK 74604-2510
Document Number	I2022007472
Book / Page	1918 / 329
Instrument Date	Sep 26, 2022
Instrument	I-2022-007472
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.50
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	2115 CEDAR ST, PONCA CITY, OK 74604-2510

Mortgage

Document Number	I2022007473
Date	Sep 28, 2022
Instrument	I-2022-007473

Lender

Name	SENTE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	I2022007474
Date	Sep 28, 2022
Book Page	1918/340
Instrument	I-2022-007474

Lender

Name	OKLAHOMA HOUSING FINANCE AGENCY
Type	Government Agency
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Mar 3, 2020
Property Address	2115 CEDAR ST, PONCA CITY, OK 74604-2510
Document Number	0000001733
Book / Page	1830 / 716
Instrument Date	Feb 25, 2020
Instrument	2020-001733
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	SECURITY TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$90.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 2115 Cedar St was $1,164 with a homeowner's exemption, down 1.6% from the year before.

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		$12,536 (+3%) Land $810 Building $11,726	$113,954 (+3%) Land $7,360 Building $106,594
2025	$1,164.00 (-1.61%)	$12,171 (-2.62%) Land $891 Building $11,280	$110,635 (-2.62%) Land $8,096 Building $102,539
2024	$1,183.00 (+2.34%)	$12,498 (+4.24%) Land $891 Building $11,607	$113,610 (+4.23%) Land $8,096 Building $105,514
2023	$1,156.00	$11,990 Land $878 Building $11,112	$109,000 Land $7,980 Building $101,020

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

FEMA maps place 2115 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	2 in force
Nearby Flood Claims	10 (1994–2009)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Aug 2009 · rainfall accumulation

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

Wildfire risk around 2115 Cedar St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.7% of Oklahoma
Wildfire Likelihood	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 287 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
T-Mobile Fixed Wireless	100 / 20

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

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