310 Lora Ave, Ponca City, OK 74601 Property Records

Kay County property record for 310 Lora Ave, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 1979
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Oct 2024)
Tax Bill	$1,830 (2025)
Deeds & Mortgages	Apr 2023 Sale Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1010-00-003-009-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`1010-00-003-009-0-000-00`
Alternative APN	`7702`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2007
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,676 sqft (0.291 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Patio Area	360 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7702
Street Address	310 LORA AVE
City	PONCA CITY
State	OK
Zip	74601-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C-NORTH MEADOWLARK BLK 3 LOT 9
Legal Range	02E
Legal Township	26N
Legal Section	16
Legal Subdivision	NORTH MEADOWLARK
Legal Block	3
Legal Lot Number	9
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	6
Census Block	6016
Census Tract	100

Owner

310 Lora Ave is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	310 LORA AVE, PONCA CITY, OK 74601-1318
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Warranty Deed, Transfer SECURITY TITLE SERVICES, SECURITY TITLE SERVICE
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jan 9, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 11, 2022	Intrafamily Transfer, Transfer
Aug 1, 2018	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	Apr 11, 2023 · Amount on File
Deed Document Number	20246363
Deed Book / Page	1976 / 380
Prior Transfer Date	Jan 5, 2023
Prior Transfer Doc	I2023000139
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Apr 11, 2023
Property Address	310 LORA AVE, PONCA CITY, OK 74601-1318
Document Number	I2023002422
Book / Page	1933 / 203
Instrument Date	Apr 11, 2023
Instrument	I-2023-002422
Transaction Type	Transfer
Record Updated	May 11, 2023
Title Company	SECURITY TITLE SERVICES, SECURITY TITLE SERVICE

Transaction

Amount	Amount on Record
Tax	$247.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	310 LORA AVE, PONCA CITY, OK 74601-1318
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	NATIONS TITLE OF OKC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002599
Date	Mar 30, 2021
Book Page	1864/652
Instrument	2021-002599

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KAY OK
Recording Date	Jan 9, 2023
Property Address	310 LORA AVE, PONCA CITY, OK 74601-1318
Document Number	I2023000139
Book / Page	1925 / 590
Instrument Date	Jan 5, 2023
Instrument	I-2023-000139
Transaction Type	Transfer
Record Updated	Jan 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 PENNYPACKER CT, WILMINGTON, NC 28412-3185

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KAY OK
Recording Date	Oct 11, 2022
Property Address	310 LORA AVE, PONCA CITY, OK 74601-1318
Document Number	I2022007752
Book / Page	1919 / 132
Instrument Date	Jul 5, 2022
Instrument	I-2022-007752
Transaction Type	Transfer
Record Updated	Jan 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	103 PENNYPACKER CT, WILMINGTON, NC 28412-3185

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Aug 1, 2018
Property Address	310 LORA AVE, PONCA CITY, OK 74601-1318
Document Number	0000005906
Book / Page	001783 / 000197
Instrument Date	Jul 27, 2018
Instrument	5906
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	STEWART ESCROW AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 LORA AVE PONCA CITY OK 746011318, PONCA CITY, OK 74601-1318

Mortgage

Document Number	5907
Date	Aug 1, 2018
Book Page	001783/000199
Instrument	5907

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 310 Lora Ave was $1,830, up 6.5% 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		$18,397 (-3.88%) Land $1,326 Building $17,071	$167,250 (-3.88%) Land $12,053 Building $155,197
2025	$1,830.00 (+6.52%)	$19,140 (+5.46%) Land $1,922 Building $17,218	$174,000 (+5.45%) Land $17,477 Building $156,523
2024	$1,718.00 (+29.08%)	$18,149 (+31.5%) Land $1,922 Building $16,227	$165,000 (+17.16%) Land $17,477 Building $147,523
2023	$1,331.00	$13,801 Land $1,922 Building $11,879	$140,833 Land $17,477 Building $123,356

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 310 Lora Ave in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1979.

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	5 in force
Nearby Flood Claims	13 (1979–2008)
Claims Outside the SFHA	2 of 13
Most Recent Claim	May 2008 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, May 1987 · 4 claims

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

Wildfire risk around 310 Lora Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 309 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, Kwikbit.

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