22011 State Hwy 20, Jay, OK 74346 Property Records

Delaware County property record for 22011 State Hwy 20, Jay, OK 74346

Property Summary

Property Type	Rural Home
Details	2 ba · 2,016 sqft · built 2017
Lot Size	12 acres (525,769 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Jun 2015)
Tax Bill	$1,697 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22N25E-04-2-00000-000-0000`

Property Details

APN / Parcel Number

Primary APN	`22N25E-04-2-00000-000-0000`
Alternative APNs	`0002169` `2169`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	525,769 sqft (12 acres)

Exterior Amenities

Porch	Slab
Porch Area	1,008 sqft
Shed	1 Shed
Shed Area	120 sqft
Pole Barn	900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2169
Street Address	22011 STATE HIGHWAY 20
City	JAY
State	OK
Zip	74346-3057
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	04-22-25 PT N2 NW NW BEG NW COR OF SEC: S 660', E 800', N 660', W 800' TO BEG LESS: ALL THAT PT SOLD TO STATE OF OK FOR HWY P
Legal Range	25E
Legal Township	22N
Legal Section	04
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	1
Census Block	1020
Census Tract	376000

Owner

22011 State Hwy 20, a rural home, is owned and occupied by two individuals who bought it in June 2015.

Source: Delaware County records, as of September 23, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Commercial Mortgage GRAND SAVINGS BANK
Dec 4, 2025	Deed of Trust, Mortgage · Line of Credit THE CORNER STONE BANK
Jun 8, 2016	Deed of Trust, Mortgage · Construction Mortgage GRAND SAVINGS BANK
Jun 5, 2025	Deed of Trust, Mortgage · Line of Credit THE CORNER STONE BANK
Feb 4, 2026	Warranty Deed, Transfer APEX TITLE NORTHEAST OK LLC
Jun 12, 2015	Joint Tenancy Deed, Transfer GRAND SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2015 · Amount on File
Deed Sale	Jun 12, 2015 · Amount on File
Deed Document Number	20154619
Deed Book / Page	2118 / 619
Prior Transfer Date	Jun 10, 2015
Prior Transfer Doc	002118/619
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002446/377
Date	Jun 23, 2022
Book Page	2446/377
Instrument	I-2022-006153

Lender

Name	GRAND SAVINGS BANK
Type	Bank
Address	GRAVETTE, AR 72736

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 21, 2027

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057

Mortgage

Document Number	002626/478
Date	Dec 4, 2025
Book Page	2626/478
Instrument	I-2025-010806

Lender

Name	THE CORNER STONE BANK
Type	Bank
Address	SOUTH WEST CITY, MO 64863

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 3, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002157/346
Date	Jun 8, 2016
Book Page	2157/346
Instrument	2016-004624

Lender

Name	GRAND SAVINGS BANK
Type	Bank
Address	DECATUR, AR 72722

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	May 16, 2017

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057

Mortgage

Document Number	002594/718
Date	Jun 5, 2025
Book Page	2594/718
Instrument	I-2025-004690

Lender

Name	THE CORNER STONE BANK
Type	Bank
Address	SOUTH WEST CITY, MO 64863

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Feb 4, 2026
Property Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Document Number	002635/644
Book / Page	2635 / 644
Instrument Date	Jan 2, 2026
Instrument	I-2026-000904
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Amount	Amount on Record
Tax	$357.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057

June 2015: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	DELAWARE OK
Recording Date	Jun 12, 2015
Property Address	22011 STATE HIGHWAY 20, JAY, OK 74346-3057
Document Number	002118/619
Book / Page	2118 / 619
Instrument Date	Jun 10, 2015
Instrument	2015-004619
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Amount	Amount on Record
Tax	$67.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 258, JAY, OK 74346-0258
Investor	Possibly a Property Investor

Mortgage

Document Number	2015004820
Date	Jun 12, 2015
Instrument	2015-004820

Lender

Name	GRAND SAVINGS BANK

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 10, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 22011 State Hwy 20 was $1,697 with a homeowner's exemption, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$20,633 (+3%) Land $952 Building $19,681	$179,417 (-34.85%) Land $8,276 Building $171,141
2025	$1,697.00 (+1.13%) Homeowner's exemption	$20,032 (+3%) Land $924 Building $19,108	$275,392 (+4.5%) Land $13,667 Building $261,725
2024	$1,678.00 (+6%) Homeowner's exemption	$19,449 (+3%) Land $897 Building $18,552	$263,524 (+19.5%) Land $13,667 Building $249,857
2023	$1,583.00 Homeowner's exemption	$18,882 Land $862 Building $18,020	$220,524 Land $8,417 Building $212,107

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 22011 State Hwy 20 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 22011 State Hwy 20 is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 43% of Oklahoma
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on State Hwy 20

Nearby Streets

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