3251 E Tower Rd, Ponca City, OK 74604 Property Records

Kay County property record for 3251 E Tower Rd, Ponca City, OK 74604

Property Summary

Property Type	Agricultural Vacant Land
Details	3 bd · 2 ba · 3,944 sqft · built 2025
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on Record
Tax Bill	$621 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23991`

Property Details

APN / Parcel Number

Primary APN	`23991`
Alternative APN	`7400-25-027-02E-3-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,944 sqft Building Perimeter
1st Floor Area	1,782 sqft
Attic	Attic
Attic Area	1,800 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	1,742,400 sqft (40 acres)
Garage Type	Attached
Garage Area	1,292 sqft
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	23991
Street Address	3251 E TOWER RD
City	PONCA CITY
State	OK
Zip	74604-5754
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Legal Description	KILDARE TWP 25- 27- 2E VIN #MSFLN25AB310670G SE/4 SW/4
Legal Range	02E
Legal Township	27N
Legal Section	25
Legal Subdivision	KILDARE TOWNSHIP
Legal Block	27
Legal Lot Number	2E
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1004
Census Tract	600

Owner

Source: Kay County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2812 E HARTFORD AVE, PONCA CITY, OK 74604-3216
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage · Commercial Mortgage RCB BANK
Dec 2, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	3251 E TOWER RD, PONCA CITY, OK 74604-5754
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3251 E TOWER RD, PONCA CITY, OK 74604-5754

Mortgage

Document Number	I2025008818
Date	Dec 8, 2025
Book Page	2018/681
Instrument	I-2025-008818

Lender

Name	RCB BANK
Type	Bank
Address	1223 E HIGHLAND AVE, PONCA CITY, OK 74601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2055

Interest

Rate Type	Adjustable Rate

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KAY OK
Recording Date	Dec 2, 2022
Property Address	3251 E TOWER RD, PONCA CITY, OK 74604-5754
Document Number	I2022009165
Book / Page	1923 / 180
Instrument Date	Dec 2, 2022
Instrument	I-2022-009165
Transaction Type	Transfer
Record Updated	Dec 15, 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	Joint Tenants with Right of Survivorship
Address	604 S 11TH ST, PONCA CITY, OK 74601-6543

Tax Assessment & Valuation

Source: Kay County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Kay County
Elementary School District	Kildare Public School (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,451 (+540.62%) Land $1,401 Building $46,050	$431,372 (+540.62%) Land $12,738 Building $418,634
2025	$621.00 (+8.76%)	$7,407 (+2.83%) Land $1,401 Building $6,006	$67,337 (+2.83%) Land $12,738 Building $54,599
2024	$571.00 (-36.34%)	$7,203 (-36.41%) Land $1,401 Building $5,802	$65,485 (-36.41%) Land $12,738 Building $52,747
2023	$897.00	$11,327 Land $1,401 Building $9,926	$102,977 Land $12,738 Building $90,239

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1993–2025)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jun 2025 · rainfall accumulation

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

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

Wildfire Risk	High above 86% of the US · above 73% of Oklahoma
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Chisholm Broadband Fixed Wireless	100 / 40
Nextlink Fixed Wireless	100 / 20
KanOkla Communications Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile.

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