22285 Co Rd 3490, Roff, OK 74865 Property Records

Pontotoc County property record for 22285 Co Rd 3490, Roff, OK 74865

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,872 sqft · built 2006
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Jul 2006)
Tax Bill	$1,812 (2025)
Deeds & Mortgages	Feb 2007 Mortgage Jun 2009 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`26002`

Property Details

APN / Parcel Number

Primary APN	`26002`
Alternative APN	`0000-08-002-005-0-012-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,872 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Garage Type	Detached
Garage Area	1,440 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	936 sqft
Patio Area	360 sqft
Shed	1 Shed
Shed Area	288 sqft
Putting Green	Putting Green
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26002
Street Address	22285 COUNTY ROAD 3490
City	ROFF
State	OK
Zip	74865-7104
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	S1/2 SW NE SEC 8-2-5 FITZHUGH TWP
Legal Range	05E
Legal Township	02N
Legal Section	08
Jurisdiction	PONTOTOC OK
Township / Civil Division	SOUTHWEST PONTOTOC
Census Block Group	1
Census Block	1150
Census Tract	89600

Owner

Source: Pontotoc 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	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2007	Deed of Trust, Mortgage CITIZENS BANK OF ADA
Jun 4, 2009	Deed of Trust, Mortgage CITIZENS BANK OF ADA
Jun 28, 2012	Deed of Trust, Mortgage CITIZENS BANK OF ADA
Aug 4, 2016	Deed of Trust, Mortgage · ARM CITIZENS BANK
Aug 10, 2017	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK OF ADA
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF ADA
Aug 10, 2017	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK OF ADA
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF ADA
Jul 18, 2006	Warranty Deed, Transfer CITIZENS BANK OF ADA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2006 · Amount on Record
Deed Sale	Jul 18, 2006 · Amount on Record
Deed Document Number	20064709
Deed Book / Page	2101 / 53
Prior Transfer Date	Jun 27, 2006
Prior Transfer Doc	002101/053
Record Updated	Oct 29, 2026

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002154/005
Date	Feb 26, 2007
Book Page	2154/005
Instrument	2007-001090

Lender

Name	CITIZENS BANK OF ADA
Address	ADA, OK 74821

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2037

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002372/048
Date	Jun 4, 2009
Book Page	2372/048
Instrument	2009-012032

Lender

Name	CITIZENS BANK OF ADA
Address	ADA, OK 74821

Agreement

Amount	Amount Recorded
Term	59 Months
Due	May 27, 2014

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002649/182
Date	Jun 28, 2012
Book Page	2649/182
Instrument	2012-004359

Lender

Name	CITIZENS BANK OF ADA
Address	ADA, OK 74821

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2017

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003049/027
Date	Aug 4, 2016
Book Page	3049/027
Instrument	2016-004178

Lender

Name	CITIZENS BANK
Type	Bank
Address	ADA, OK 74820

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Jun 24, 2046

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jun 24, 2019
Change Frequency	3 Years
Min Rate At Change	5%
Max Rate At Change	8%
Index	Prime Rate
Max Rate	11%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003141/008
Date	Aug 10, 2017
Book Page	3141/008
Instrument	2017-004083

Lender

Name	CITIZENS BANK OF ADA
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 21, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003405/60
Date	Jun 10, 2020
Book Page	3405/60
Instrument	2020-003051

Lender

Name	CITIZENS BANK OF ADA
Type	Bank
Address	ADA, OK 74820

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3141/008
Date	Aug 10, 2017
Book Page	3141/008
Instrument	2017-004083

Lender

Name	CITIZENS BANK OF ADA
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 21, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3405/60
Date	Jun 10, 2020
Book Page	3405/60
Instrument	2020-003051

Lender

Name	CITIZENS BANK OF ADA
Type	Bank
Address	ADA, OK 74820

Agreement

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

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jul 18, 2006
Property Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104
Document Number	002101/053
Book / Page	2101 / 053
Instrument Date	Jun 27, 2006
Instrument	2006-004709
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount Recorded
Tax	$37.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	22285 COUNTY ROAD 3490, ROFF, OK 74865-7104

Mortgage

Document Number	002101/054
Date	Jul 18, 2006
Book Page	2101/054
Instrument	2006-004710

Lender

Name	CITIZENS BANK OF ADA
Address	ADA, OK 74821

Agreement

Amount	Amount Recorded
Term	5 Months
Due	Dec 14, 2006

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Pontotoc County
Unified School District	Roff Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,151 (+32.77%) Land $2,023 Building $24,128	$217,928 (-21.09%) Land $16,861 Building $201,067
2025	$1,812.00 (-3.72%) Homeowner's exemption	$19,697 (+3%) Land $1,964 Building $17,733	$276,169 (-4.87%) Land $16,370 Building $259,799
2024	$1,882.00 (+11.69%) Homeowner's exemption	$19,124 (+3%) Land $1,917 Building $17,207	$290,317 (+18.78%) Land $16,370 Building $273,947
2023	$1,685.00 Homeowner's exemption	$18,567 Land $1,915 Building $16,652	$244,420 Land $16,370 Building $228,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 17, 2012 · 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
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

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

Wildfire Risk	High above 87% of the US · above 76% of Oklahoma
Wildfire Likelihood	0.9% 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	PONTOTOC CO RWD # 8 serves 4,250 people · EPA ID OK2006215
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2023–2025) 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
360 Broadband Fixed Wireless	400 / 50
Atlink Services Fixed Wireless	50 / 10
AT&T Fixed Wireless	25 / 3

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