2209 Joe St, Ponca City, OK 74601 Property Records

Kay County property record for 2209 Joe St, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,742 sqft · built 1957
Lot Size	0.226 acres (9,845 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Feb 2025)
Tax Bill	$1,218 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0550-00-000-003-0-004-00`

Property Details

APN / Parcel Number

Primary APN	`0550-00-000-003-0-004-00`
Alternative APN	`4397`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,742 sqft Living Area
1st Floor Area	1,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2014
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,845 sqft (0.226 acres)
Lot Dimensions	154 ft deep x 64 ft wide
Garage Type	Mixed
Garage Area	308 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4397
Street Address	2209 JOE ST
City	PONCA CITY
State	OK
Zip	74601-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C-GARDEN ACRES S64' OF W154' LOT 3 EX ALLEY & ST
Legal Range	02E
Legal Township	26N
Legal Section	15
Legal Subdivision	GARDEN ACRES
Legal Lot Number	3
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	2
Census Block	2020
Census Tract	202

Owner

2209 Joe St is owned and occupied by two individuals who bought it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2209 JOE ST, PONCA CITY, OK 74601-1816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 27, 2022	Deed of Trust, Mortgage · FHA Mortgage RCB BANK
Oct 29, 2019	Special Warranty Deed, Transfer · Conventional Mortgage GREAT PLAINS NATIONAL BANK
Oct 23, 2019	Correction Deed, Transfer ATTORNEY ONLY
Jul 3, 2019	Warranty Deed, Transfer NOT AVAILABLE
May 25, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2025 · Amount on File
Deed Sale	Feb 4, 2025 · Amount on File
Prior Sale	Dec 6, 2021 · Amount on File
Deed Document Number	2025669
Deed Book / Page	1987 / 424
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	2209 JOE ST, PONCA CITY, OK 74601-1816
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2022000751
Date	Jan 27, 2022
Book Page	1895/167
Instrument	I-2022-000751

Lender

Name	RCB BANK
Type	Bank
Address	OWASSO, OK 74055

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KAY OK
Recording Date	Oct 29, 2019
Property Address	2209 JOE ST, PONCA CITY, OK 74601-1816
Document Number	0000008262
Book / Page	1820 / 0185
Instrument Date	Oct 24, 2019
Instrument	2019-008262
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 JOE ST, PONCA CITY, OK 74601-1816

Mortgage

Document Number	0000008263
Date	Oct 29, 2019
Instrument	2019-008263

Lender

Name	GREAT PLAINS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	KAY OK
Recording Date	Oct 23, 2019
Property Address	2209 JOE ST, PONCA CITY, OK 74601-1816
Document Number	0000008091
Book / Page	001819 / 000713
Instrument Date	Oct 21, 2019
Instrument	8091
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Jul 3, 2019
Property Address	2209 JOE ST, PONCA CITY, OK 74601-1816
Document Number	0000004721
Book / Page	001809 / 000787
Instrument Date	Mar 18, 2019
Instrument	4721
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KAY OK
Recording Date	May 25, 2018
Property Address	2209 JOE ST, PONCA CITY, OK 74601-1816
Document Number	0000004091
Book / Page	001777 / 000582
Instrument Date	May 10, 2018
Instrument	4091
Transaction Type	Foreclosure
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18000 STUDEBAKER RD #200 CERRITOS CA 907032680, 200, CERRITOS, CA 90703-2680

Tax Assessment & Valuation

The 2025 property tax bill for 2209 Joe St was $1,218, up 6.1% 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		$11,000 (-13.62%) Land $754 Building $10,246	$100,000 (-19.52%) Land $6,850 Building $93,150
2025	$1,218.00 (+6.1%)	$12,734 (+5.01%) Land $894 Building $11,840	$124,248 (-1.3%) Land $8,131 Building $116,117
2024	$1,148.00 (+3.05%)	$12,127 (+5%) Land $894 Building $11,233	$125,889 (+4.24%) Land $8,131 Building $117,758
2023	$1,114.00	$11,550 Land $894 Building $10,656	$120,764 Land $8,131 Building $112,633

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 2209 Joe St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 23, 2016

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

The area around 2209 Joe St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 331 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
Nextlink Fixed Wireless	100 / 20

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

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