320 Crist Ave, Loyal, OK 73756 Property Records

Kingfisher County property record for 320 Crist Ave, Loyal, OK 73756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,759 sqft · built 1964
Lot Size	0.517 acres (22,501 sqft)
Owner	Individual Name on File
Last Sale	$78,000 (Apr 2014)
Tax Bill	$795 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10979`

Property Details

APN / Parcel Number

Primary APN	`10979`
Alternative APN	`5005-00-003-005-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,759 sqft Living Area
1st Floor Area	1,759 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,501 sqft (0.517 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	432 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	Deck Area
Patio Area	185 sqft
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10979
Street Address	320 CRIST AVE
City	LOYAL
State	OK
Zip	73756-5605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5-7 BLOCK 3 LOYAL PROPER
Legal Range	09W
Legal Township	17N
Legal Section	01
Legal Subdivision	LOYAL PROPER
Legal Block	3
Legal Lot Number	5-7
Jurisdiction	KINGFISHER OK
Township / Civil Division	KINGFISHER
Census Block Group	1
Census Block	1082
Census Tract	958200

Owner

320 Crist Ave is owned and occupied by an individual who bought it in April 2014.

Source: Kingfisher County records, as of October 20, 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 File
Mailing Address	320 CRIST AVE, LOYAL, OK 73756-5605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2014 · Amount on File
Deed Sale	Apr 21, 2014 · Amount on File
Prior Sale	Nov 9, 2001 · Amount on File
Deed Document Number	20143468
Deed Book / Page	2688 / 235
Prior Transfer Date	Nov 2, 1998
Prior Transfer Doc	1618000082
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KINGFISHER OK
Property Address	320 CRIST AVE, LOYAL, OK 73756-5605
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003133/367
Date	May 31, 2018
Book Page	3133/367
Instrument	2018-005512

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 320 Crist Ave was $795.

Source: Kingfisher County assessment roll, as of February 27, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Kingfisher County
Municipality	Loyal Town
Unified School District	Lomega Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$9,351 (+5%) Land $546 Building $8,805	$85,011 (-40.86%) Land $4,961 Building $80,050
2025	$795.00	$8,906 Land $520 Building $8,386	$143,750 Land $14,176 Building $129,574
2023	$755.00	$8,482 Land $495 Building $7,987	$111,379 Land $4,500 Building $106,879

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 320 Crist Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1995–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2007 · Severe Storms, Tornadoes, And Flooding

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 320 Crist Ave is low, with 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 95% of the US · lower than 96% of Oklahoma
Wildfire Likelihood	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	LOYAL serves 81 people · EPA ID OK2003701
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate-Nitrite resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Chisholm Broadband Fixed Wireless	100 / 40
Pioneer Telephone Cooperative DSL · Fiber in parts of the area	46 / 7