Kay County property record for 312 Lora Ave, Ponca City, OK 74601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,391 sqft · built 1979 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $161,000 (Jul 2024) |
| Tax Bill | $1,598 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1010-00-003-010-0-000-00 |
| Primary APN | 1010-00-003-010-0-000-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,391 sqft Living Area |
| 1st Floor Area | 1,317 sqft |
| Storm Shelter | Storm Shelter |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 13,504 sqft (0.31 acres) |
| Garage Type | Mixed |
| Garage Area | 462 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 54 sqft |
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 7703 |
|---|---|
| Street Address | 312 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 10 |
| Legal Range | 02E |
| Legal Township | 26N |
| Legal Section | 16 |
| Legal Subdivision | NORTH MEADOWLARK |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | KAY OK |
| Township / Civil Division | PONCA CITY |
| Census Block Group | 6 |
| Census Block | 6016 |
| Census Tract | 100 |
312 Lora Ave is owned and occupied by an individual who bought it in July 2024.
Source: Kay County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2024 · Amount on File |
| Deed Sale | Jul 19, 2024 · Amount on File |
| Prior Sale | Aug 18, 2003 |
| Deed Document Number | 20244752 |
| Deed Book / Page | 1970 / 42 |
| Prior Transfer Date | Sep 14, 2007 |
| Prior Transfer Doc | 0000008327 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KAY OK |
| Property Address | 312 LORA AVE, PONCA CITY, OK 74601-1318 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021006998 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 1878/680 |
| Instrument | 2021-006998 |
| Name | CHEROKEE STRIP CU |
|---|---|
| Type | Credit Union |
| Address | PONCA CITY, OK 74604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 16, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 312 Lora Ave was $1,598 with a homeowner's exemption, up 105.4% from the year before.
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 | $18,241 (+3%) Land $1,382 Building $16,859 | $165,830 (+3%) Land $12,566 Building $153,264 | |
| 2025 | $1,598.00 (+105.4%) Homeowner's exemption | $17,710 (+92.21%) Land $1,342 Building $16,368 | $161,000 (+5.63%) Land $12,200 Building $148,800 |
| 2024 | $778.00 (+1.57%) Homeowner's exemption | $9,214 (+3%) Land $1,409 Building $7,805 | $152,425 (+8.18%) Land $12,810 Building $139,615 |
| 2023 | $766.00 Homeowner's exemption | $8,946 Land $1,409 Building $7,537 | $140,896 Land $12,810 Building $128,086 |
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.
FEMA maps place 312 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 |
|
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 risk around 312 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.
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 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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