2138 S Main St, Jay, OK 74346 Property Records

Delaware County property record for 2138 S Main St, Jay, OK 74346

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,708 sqft · built 1974
Lot Size	3.65 acres (158,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2020)
Tax Bill	$3,324 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22N23E-02-3-50999-000-0000`

Property Details

APN / Parcel Number

Primary APN	`22N23E-02-3-50999-000-0000`
Alternative APNs	`0013975` `13975`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,708 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick Veneer
Construction Type	Stone
Roof Material	Composition Shingle
Lot Area	158,994 sqft (3.65 acres)
Garage Type	Attached
Garage Area	552 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	630 sqft
Porch	Slab
Porch Area	558 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13975
Street Address	2138 S MAIN ST
City	JAY
State	OK
Zip	74346-3807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-22-23 PT SE SW DESCRIBED AS: BEG 295' E OF SW COR OF SE SW; E 571'; N 532.5' TO S R/W OF ST HWY; S56W 752'; S27E 136' TO P
Legal Range	23E
Legal Township	22N
Legal Section	02
Legal Subdivision	JAY-X LAND
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	3
Census Block	3035
Census Tract	376000

Owner

Source: Delaware 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	2138 S MAIN ST, JAY, OK 74346-3807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	20205835
Deed Book / Page	2332 / 132
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Jul 28, 2020
Property Address	2138 S MAIN ST, JAY, OK 74346-3807
Document Number	002332/132
Book / Page	2332 / 132
Instrument Date	Jul 27, 2020
Instrument	2020-005835
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
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	PO BOX 772, JAY, OK 74346-0772

Mortgage

Document Number	2020005836
Date	Jul 28, 2020
Instrument	2020-005836

Lender

Name	GRAND SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Delaware County
Municipality	Jay City
Unified School District	Jay Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,139 (+5%) Land $1,529 Building $37,610	$340,341 (-16.05%) Land $13,299 Building $327,042
2025	$3,324.00 (+1.13%)	$37,276 (+5%) Land $1,457 Building $35,819	$405,404 (+1.95%) Land $16,580 Building $388,824
2024	$3,287.00 (+9.82%)	$35,500 (+5%) Land $1,387 Building $34,113	$397,663 (+35.17%) Land $16,580 Building $381,083
2023	$2,993.00	$33,810 Land $1,301 Building $32,509	$294,187 Land $11,330 Building $282,857

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 September 13, 2019

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 77% of the US · above 48% of Oklahoma
Wildfire Likelihood	0.5% 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	JAY serves 2,482 people · EPA ID OK1021674
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Grand Telephone Company Fiber	200 / 200

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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