314 E Central Ave, Ponca City, OK 74601 Property Records

Kay County property record for 314 E Central Ave, Ponca City, OK 74601

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,400 sqft · built 1940
Lot Size	0.055 acres (2,396 sqft)
Owner	Company Name on File
Last Sale	$34,000 (Jun 2018)
Tax Bill	$411 (2025)
Deeds & Mortgages	Sep 2020 Sale & Construction Loan Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0820-00-004-001-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0820-00-004-001-0-001-00`
Alternative APN	`5869`

Interior

Stories	1 Story
Building Area	2,400 sqft Total Area
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 1940
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Built-Up Asphalt
Lot Area	2,396 sqft (0.055 acres)
Lot Dimensions	40 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	5869
Street Address	314 E CENTRAL AVE
City	PONCA CITY
State	OK
Zip	74601-5303
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	P C-LYNCHVILLE ADD BLOCK 4 W40' OF LOTS 1 & 2 ..INSURANCE BUS
Legal Range	02E
Legal Township	26N
Legal Section	27
Legal Subdivision	LYNCHVILLE
Legal Block	4
Legal Lot Number	1,2 2
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	2
Census Block	2030
Census Tract	400

Owner

Source: Kay County assessment roll, as of October 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	314 E CENTRAL AVE, PONCA CITY, OK 74601-5303
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Warranty Deed, Construction Loan · Construction Mortgage FIRST BK
Jun 5, 2018	Warranty Deed, Transfer · Commercial Mortgage EQUITY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 5, 2018 · Amount on Record
Deed Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	2018-004341
Deed Book / Page	1778 / 0465
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Sep 28, 2020
Property Address	314 E CENTRAL AVE, PONCA CITY, OK 74601-5303
Document Number	0000006915
Book / Page	006915 / 000922
Instrument Date	Sep 25, 2020
Instrument	6915
Transaction Type	Construction Loan
Record Updated	Oct 26, 2020
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$63.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	314 N CENTRAL BILLINGS OK 746302145, BILLINGS, OK 74630-2145

Mortgage

Document Number	6916
Date	Sep 28, 2020
Book Page	001847/000923
Instrument	6916

Lender

Name	FIRST BK
Type	Bank
Address	BILLINGS, OK 74630

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 27, 2021

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Jun 5, 2018
Property Address	314 E CENTRAL AVE, PONCA CITY, OK 74601-5303
Document Number	0000004341
Book / Page	1778 / 0465
Instrument Date	May 22, 2018
Instrument	2018-004341
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	SECURITY TITLE SERVICE

Transaction

Amount	Amount Recorded
Tax	$51.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004342
Date	Jun 5, 2018
Instrument	2018-004342

Lender

Name	EQUITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kay County assessment roll, as of October 1, 2025

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
2025	$411.00 (+6.2%)	$4,295 (+4.99%) Land $413 Building $3,882	$64,421 (+0.36%) Land $3,754 Building $60,667
2024	$387.00 (+2.93%)	$4,091 (+5.01%) Land $413 Building $3,678	$64,191 (-1.63%) Land $3,754 Building $60,437
2023	$376.00	$3,896 Land $413 Building $3,483	$65,252 Land $3,754 Building $61,498

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

Source: FEMA National Flood Hazard Layer, effective August 23, 2016

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

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

Wildfire Risk	Not rated no burnable land within ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
City of Ponca, Oklahoma Fiber	1,000 / 1,000
Cable One Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Chisholm Broadband Fixed Wireless · DSL in parts of the area	100 / 40
AMG Technology Investment Group Fixed Wireless	100 / 20

May also be available: AT&T.

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