346220 E 820 Rd, Agra, OK 74824 Property Records

Lincoln County property record for 346220 E 820 Rd, Agra, OK 74824

Property Summary

Property Type	Rural Home
Details	5 bd · 4 ba · 3,840 sqft · built 2013
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,117 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10319`

Property Details

APN / Parcel Number

Primary APN	`10319`
Alternative APN	`0000-25-16N-04E-3-004-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,840 sqft Living Area
1st Floor Area	2,320 sqft
Upper Floors Area	516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	435,600 sqft (10 acres)
Garage Type	Mixed
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	348 sqft
Deck Area	24 sqft
Patio Area	264 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Other

Location & Zoning

Account Number	10319
Street Address	346220 E 820 RD
City	AGRA
State	OK
Zip	74824-8446
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	IP
Legal Description	10 AC MOL 25-16-4 BEG 742'-E SW/C SW/4 E-638' N-683' W-638' S-683' POB 16-4-25-300-004
Legal Range	04E
Legal Township	16N
Legal Section	25
Jurisdiction	LINCOLN OK
Township / Civil Division	NORTHWEST LINCOLN
Census Block Group	2
Census Block	2078
Census Tract	961200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	346220 E 820 RD, AGRA, OK 74824-8446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage RCB BANK
Jun 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 19, 2019	Deed of Trust, Mortgage · Commercial Mortgage RCB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2004
Deed Sale	Mar 5, 2004
Deed Book / Page	1591 / 49
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN OK
Property Address	346220 E 820 RD, AGRA, OK 74824-8446
Transaction Type	Mortgage
Record Updated	Mar 15, 2022
Title Company	FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002460/237
Date	Mar 1, 2022
Book Page	2460/237
Instrument	I-2022-001600

Lender

Name	RCB BANK
Type	Bank
Address	OWASSO, OK 74055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2032

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN OK
Property Address	346220 E 820 RD, AGRA, OK 74824-8446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2297/302
Date	Jun 21, 2018
Book Page	2297/302
Instrument	04042

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2033

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN OK
Property Address	346220 E 820 RD, AGRA, OK 74824-8446
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2355/612
Date	Nov 19, 2019
Book Page	2355/612
Instrument	07785

Lender

Name	RCB BANK
Type	Bank
Address	YUKON, OK 73099

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 18, 2024

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Lincoln County
Unified School District	Agra Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$34,848 (+3%) Land $119 Building $34,729	$316,800 (-20.4%) Land $1,079 Building $315,721
2025	$3,117.00 (-8.78%)	$33,833 (+6.09%) Land $116 Building $33,717	$398,000 (+17%) Land $1,364 Building $396,636
2024	$3,417.00 (+192.05%)	$31,891 (+161.21%) Land $150 Building $31,741
2022	$1,170.00	$12,209 Land $150 Building $12,059	$147,409 Land $1,365 Building $146,044

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 September 20, 2023

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	High above 76% of the US · above 47% of Oklahoma
Wildfire Likelihood	0.5% 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	LINCOLN CO RW & SEWER DIST 4 serves 2,525 people · EPA ID OK2004105
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Centranet Fiber	1,000 / 1,000
Central Oklahoma Telephone Fiber	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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