Osage County property record for 232 Overcrest Rd, Ponca City, OK 74604
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,688 sqft · built 1980 |
| Lot Size | 0.08 acres (3,506 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,055 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-25-02-07300 |
| Primary APN | 01-25-02-07300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,688 sqft Living Area |
| 1st Floor Area | 1,688 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,506 sqft (0.08 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Slab |
| Porch Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19386 |
|---|---|
| Street Address | 232 OVERCREST RD |
| City | PONCA CITY |
| State | OK |
| Zip | 74604-6107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OBERSHELP ACRES N 123.94' OF LOT 16, BLK 2 |
| Legal Range | 02E |
| Legal Township | 25N |
| Legal Section | 01 |
| Legal Subdivision | OBERSHELP ACRES |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | OSAGE OK |
| Township / Civil Division | MCCORD-BRADEN |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 940003 |
232 Overcrest Rd is owned and occupied by an individual.
Source: Osage County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 232 OVERCREST RD, PONCA CITY, OK 74604-6107 |
| 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.
| Date | Document |
|---|---|
| Feb 7, 2024 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OKLAHOMA |
| Dec 2, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OKLAHOMA |
| Mar 31, 2017 | Deed, Transfer · FHA Mortgage OPEN MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSAGE OK |
| Property Address | 232 OVERCREST RD, PONCA CITY, OK 74604-6107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 232 OVERCREST RD, PONCA CITY, OK 74604-6107 |
| Document Number | 001906/217 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 1906/217 |
| Instrument | I-2024-000726 |
| Name | FIRST NATIONAL BANK OF OKLAHOMA |
|---|---|
| Type | Bank |
| Address | PONCA CITY, OK 74604 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSAGE OK |
| Property Address | 232 OVERCREST RD, PONCA CITY, OK 74604-6107 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1738/841 |
|---|---|
| Date | Dec 2, 2019 |
| Book Page | 1738/841 |
| Instrument | 2019-008306 |
| Name | FIRST NATIONAL BANK OF OKLAHOMA |
|---|---|
| Type | Bank |
| Address | PONCA CITY, OK 74604 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSAGE OK |
| Recording Date | Mar 31, 2017 |
| Property Address | 232 OVERCREST RD, PONCA CITY, OK 74604-6107 |
| Document Number | 001646/575 |
| Book / Page | 1646 / 575 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 2017-002301 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 OVERCREST RD, PONCA CITY, OK 74604-6107 |
| Document Number | 1646/576 |
|---|---|
| Date | Mar 31, 2017 |
| Book Page | 1646/576 |
| Instrument | 2017-002302 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78737 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 232 Overcrest Rd was $2,055 with a homeowner's exemption, down 2.1% from the year before.
Source: Osage County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Osage County |
| Elementary School District | McCord Public School (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $24,006 (+3%) Land $720 Building $23,286 | $200,050 (-19.94%) Land $6,000 Building $194,050 | |
| 2025 | $2,055.00 (-2.1%) Homeowner's exemption | $23,307 (+3%) Land $720 Building $22,587 | $249,879 (-) Land $6,000 Building $243,879 |
| 2024 | $2,099.00 (+15.97%) Homeowner's exemption | $22,628 (+3%) Land $720 Building $21,908 | $249,879 (-) Land $6,000 Building $243,879 |
| 2023 | $1,810.00 (+1.51%) Homeowner's exemption | $21,969 (+3%) Land $720 Building $21,249 | $249,879 (+40.59%) Land $6,000 Building $243,879 |
| 2022 | $1,783.00 Homeowner's exemption | $21,329 Land $720 Building $20,609 | $177,742 Land $6,000 Building $171,742 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Overcrest Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 20, 2017
| 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 risk around 232 Overcrest Rd is high, ranking above 86% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 74% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MCCORD RWD #3 serves 1,800 people · EPA ID OK3005747 |
|---|---|
| Water Source | Purchased surface water from PONCA CITY MUN WATER |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
| Nextlink Fixed Wireless | 100 / 20 |
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