Kay County property record for 2801 E Prospect Ave, Ponca City, OK 74604
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 3,359 sqft · built 2020 |
| Lot Size | 25.6 acres (1,118,621 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $900,000 (Jun 2025) |
| Tax Bill | $4,153 (2025) |
| Deeds & Mortgages | Jun 2020 Construction Loan Mar 2021 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11646 |
| Primary APN | 11646 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,359 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 1,118,621 sqft (25.6 acres) |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Patio Area | 414 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Utility Building | 2,400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 11646 |
|---|---|
| Street Address | 2801 E PROSPECT AVE |
| City | PONCA CITY |
| State | OK |
| Zip | 74604-3232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | P C - TRS 12-26-2E TR BEG SW/C SW/4 TH E990' TO POB N660' W330' N664.42' E1170.54' S1321.33' W840.38' LESS TR BEG SW/C SW/4 E |
| Legal Range | 02E |
| Legal Township | 26N |
| Legal Section | 12 |
| Legal Subdivision | UNPLATTED PONCA CITY |
| Legal Tract | 12 |
| Legal Block | 26 |
| Legal Lot Number | 2E |
| Jurisdiction | KAY OK |
| Township / Civil Division | PONCA CITY |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 300 |
Source: Kay 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 | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 9, 2020 | Deed of Trust, Mortgage · Construction Mortgage RCB BANK |
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RCB BANK |
| Sep 18, 2020 | Warranty Deed, Construction Loan · Construction Mortgage VISION BK |
| Aug 21, 2020 | Deed of Trust, Construction Loan · Line of Credit COMMUNITY NAT'L BK&TR |
| Jul 1, 2020 | Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| May 20, 2020 | Deed of Trust, Mortgage FIRST NAT'L BK/OK |
| Jan 13, 2020 | Warranty Deed, Transfer · Line of Credit COMMUNITY NATIONAL BANK & TRUST |
| Sep 18, 2019 | Warranty Deed, Transfer SECURITY TITLE COMPANY, SECURITY TITLE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2025 · Amount on Record |
| Deed Sale | Jun 30, 2025 · Amount on Record |
| Prior Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 20254603 |
| Deed Book / Page | 2002 / 155 |
| Prior Transfer Date | Jan 23, 2024 |
| Prior Transfer Doc | 0000000565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KAY OK |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003901 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 1837/685 |
| Instrument | 2020-003901 |
| Name | RCB BANK |
|---|---|
| Type | Bank |
| Address | PONCA CITY, OK 74601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 9, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KAY OK |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002608 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 1864/695 |
| Instrument | 2021-002608 |
| Name | RCB BANK |
|---|---|
| Type | Bank |
| Address | OWASSO, OK 74055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Sep 18, 2020 |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Document Number | 0000006698 |
| Book / Page | 001846 / 000967 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 6698 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 20, 2020 |
| Title Company | SECURITY TITLE COMPANY, SECURITY TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1405 CLEARY DR PONCA CITY OK 746044802, PONCA CITY, OK 74604-4802 |
| Document Number | 6699 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 001846/000970 |
| Instrument | 6699 |
| Name | VISION BK |
|---|---|
| Type | Bank |
| Address | ADA, OK 74821 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 17, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Aug 21, 2020 |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Document Number | 0000005873 |
| Book / Page | 001844 / 000029 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 5873 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 24, 2020 |
| Title Company | SECURITY ABSTRACT, SECURITY ABS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3001 TURNER ST #B PONCA CITY OK 746041536, B, PONCA CITY, OK 74604-1536 |
| Document Number | 0000005873 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 001844/000029 |
| Instrument | 5873 |
| Name | COMMUNITY NAT'L BK&TR |
|---|---|
| Type | Bank |
| Address | PONCA CITY, OK 74601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 20, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Jul 1, 2020 |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Document Number | 0000004474 |
| Book / Page | 001839 / 000579 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 4474 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3001 TURNER ST #B PONCA CITY OK 746041536, B, PONCA CITY, OK 74604-1536 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KAY OK |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Document Number | 0000003678 |
| Instrument Date | May 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3111 N PECAN RD PONCA CITY OK 74604, PONCA CITY, OK 74604 |
| Document Number | 0000003678 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 001836/000998 |
| Instrument | 3678 |
| Name | FIRST NAT'L BK/OK |
|---|---|
| Type | Bank |
| Address | PONCA CITY, OK 74604 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Jan 13, 2020 |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Document Number | 0000000287 |
| Book / Page | 1826 / 0056 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 2020-000287 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2138 BERKSHIRE DR, PONCA CITY, OK 74604-2405 |
| Document Number | 0000000288 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 2020-000288 |
| Name | COMMUNITY NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KAY OK |
| Recording Date | Sep 18, 2019 |
| Property Address | 2801 E PROSPECT AVE, PONCA CITY, OK 74604-3232 |
| Document Number | 0000006892 |
| Book / Page | 001816 / 000734 |
| Instrument Date | Sep 17, 2019 |
| Instrument | 6892 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | SECURITY TITLE COMPANY, SECURITY TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $396.29 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2800 AVON AVE PONCA CITY OK 746044304, PONCA CITY, OK 74604-4304 |
Source: Kay County assessment roll, as of January 16, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Kay County |
| Municipality | Ponca City |
| Elementary School District | Kildare Public School (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $67,113 (+32.9%) Land $710 Building $66,403 | $610,121 (+19.8%) Land $6,455 Building $603,666 | |
| 2025 | $4,153.00 (+9.15%) Homeowner's exemption | $50,499 (+3%) Land $697 Building $49,802 | $509,300 (-4%) Land $6,332 Building $502,968 |
| 2024 | $3,805.00 (+3.09%) Homeowner's exemption | $49,027 (+3%) Land $832 Building $48,195 | $530,521 (+11.97%) Land $7,567 Building $522,954 |
| 2023 | $3,691.00 Homeowner's exemption | $47,599 Land $832 Building $46,767 | $473,801 Land $7,567 Building $466,234 |
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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