Kay County property record for 2712 E Prospect Ave, Ponca City, OK 74604
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,269 sqft · built 1990 |
| Lot Size | 0.319 acres (13,896 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $381,000 (May 2026) |
| Tax Bill | $3,681 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1055-00-000-005-0-000-00 |
| Primary APN | 1055-00-000-005-0-000-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,269 sqft Living Area |
| 1st Floor Area | 2,270 sqft |
| Storm Shelter | Storm Shelter |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,896 sqft (0.319 acres) |
| Lot Dimensions | 192 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 612 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 60 sqft |
| Patio Area | 225 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8127 |
|---|---|
| Street Address | 2712 E PROSPECT AVE |
| City | PONCA CITY |
| State | OK |
| Zip | 74604-3200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P C-PECAN EAST ADD II LOT 5 |
| Legal Range | 02E |
| Legal Township | 26N |
| Legal Section | 13 |
| Legal Subdivision | PECAN EAST 2ND |
| Legal Lot Number | 5 |
| Jurisdiction | KAY OK |
| Township / Civil Division | PONCA CITY |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 300 |
Source: Kay 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 1, 2026 | Warranty Deed, Transfer · VA Mortgage FINANCIAL CONCEPTS MORTGAGE |
| May 1, 2026 | Warranty Deed, Transfer · VA Mortgage FINANCIAL CONCEPTS MORTGAGE |
| Apr 10, 2024 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Sep 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage F & M BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Prior Sale | Apr 10, 2024 · Amount on Record |
| Deed Document Number | 20263102 |
| Deed Book / Page | 2034 / 44 |
| Prior Transfer Date | Oct 3, 2001 |
| Prior Transfer Doc | 1149000722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | May 1, 2026 |
| Property Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Document Number | 0000003102 |
| Book / Page | 2034 / 44 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.3102 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,721.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Document Number | 0000003103, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026..3103 |
| Name | FINANCIAL CONCEPTS MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | May 1, 2026 |
| Property Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Document Number | I2026003102 |
| Book / Page | 2034 / 44 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20263102 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,721.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Document Number | 0000003103, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 20263103 |
| Name | FINANCIAL CONCEPTS MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Apr 10, 2024 |
| Property Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Document Number | I2024002254 |
| Book / Page | 1961 / 381 |
| Instrument Date | Apr 10, 2024 |
| Instrument | I-2024-002254 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2024 |
| Title Company | SECURITY TITLE SERVICES, SECURITY TITLE SERVICE |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | I2024002255 |
|---|---|
| Date | Apr 10, 2024 |
| Instrument | I-2024-002255 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | I2024002255 |
|---|---|
| Date | Apr 10, 2024 |
| Book Page | 1961/384 |
| Instrument | I-2024-002255 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | 101 S 5TH ST STE 200, COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Sep 15, 2021 |
| Property Address | 2712 E PROSPECT AVE, PONCA CITY, OK 74604-3200 |
| Document Number | 2021007812 |
| Book / Page | 1881 / 554 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021-007812 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2021 |
| Title Company | SECURITY TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $457.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 2021007813 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021-007813 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Kay County assessment roll, as of January 16, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Kay County |
| Municipality | Ponca City |
| Unified School District | Ponca City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $37,219 (-3.33%) Land $2,139 Building $35,080 | $338,354 (-3.33%) Land $19,448 Building $318,906 | |
| 2025 | $3,681.00 (+22.46%) | $38,500 (+17.55%) Land $2,567 Building $35,933 | $350,000 (+14.45%) Land $23,338 Building $326,662 |
| 2024 | $3,006.00 (+1.21%) Homeowner's exemption | $32,752 (+3%) Land $2,567 Building $30,185 | $305,817 (+5.79%) Land $23,338 Building $282,479 |
| 2023 | $2,970.00 Homeowner's exemption | $31,798 Land $2,567 Building $29,231 | $289,078 Land $23,338 Building $265,740 |
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.
Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · 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 |
| Community Rating System | Class 5 (25% premium discount) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 76% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 40 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 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
| Nextlink Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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