39095 S 595 Rd, Jay, OK 74346 Property Records

Delaware County property record for 39095 S 595 Rd, Jay, OK 74346

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,764 sqft · built 1971
Lot Size	17.5 acres (762,300 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jun 2020)
Tax Bill	$3,509 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Aug 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23N23E-26-2-00000-000-0000`

Property Details

APN / Parcel Number

Primary APN	`23N23E-26-2-00000-000-0000`
Alternative APNs	`0033638` `33638`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,764 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	762,300 sqft (17.5 acres)

Exterior Amenities

Porch	Slab
Porch Area	189 sqft
Deck Area	Deck Area
Patio Area	3,514 sqft
Lean-To	960 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	33638
Street Address	39095 S 595 RD
City	JAY
State	OK
Zip	74346-6478
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	26-23-23 NW NE NW & W 495' OF SW NE NW 1119-87 CONTRACT 1484-479+ 1845-858 1848-846 2324-50 2454-557
Legal Range	23E
Legal Township	23N
Legal Section	26
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	3
Census Block	3044
Census Tract	376000

Owner

39095 S 595 Rd, a rural home, is owned and occupied by two individuals who acquired it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	39095 S 595 RD, JAY, OK 74346-6478
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2018	Deed of Trust, Mortgage · Line of Credit GRAND SAVINGS BANK
Aug 22, 2022	Warranty Deed, Transfer · Line of Credit GRAND SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on File
Deed Sale	Jun 4, 2020 · Amount on File
Prior Sale	Feb 13, 2009 · Amount on File
Deed Document Number	20204056
Deed Book / Page	2324 / 50
Last Transfer Date	Apr 28, 2023
Transfer Doc	0000003790
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	39095 S 595 RD, JAY, OK 74346-6478
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002225/311
Date	Jan 5, 2018
Book Page	2225/311
Instrument	2018-000106

Lender

Name	GRAND SAVINGS BANK
Type	Bank
Address	GROVE, OK 74345

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 4, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Aug 22, 2022
Property Address	39095 S 595 RD, JAY, OK 74346-6478
Document Number	002454/557
Book / Page	2454 / 557
Instrument Date	Aug 17, 2022
Instrument	I-2022-008139
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	39095 S 595 RD, JAY, OK 74346-6478

Mortgage

Document Number	002454/558
Date	Aug 22, 2022
Book Page	2454/558
Instrument	I-2022-008140

Lender

Name	GRAND SAVINGS BANK
Type	Bank
Address	GROVE, OK 74345

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 22, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 39095 S 595 Rd was $3,509, up 1.1% from the year before.

Source: Delaware County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Delaware County
Unified School District	Jay Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$40,527 (+3%) Land $1,388 Building $39,139	$352,408 (-6.04%) Land $12,073 Building $340,335
2025	$3,509.00 (+1.12%)	$39,346 (+3%) Land $1,348 Building $37,998	$375,070 (-) Land $15,688 Building $359,382
2024	$3,470.00 (+5.7%)	$38,201 (+3%) Land $1,309 Building $36,892	$375,070 (+16.3%) Land $15,688 Building $359,382
2023	$3,283.00	$37,088 Land $913 Building $36,175	$322,504 Land $7,938 Building $314,566

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 39095 S 595 Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019

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

Wildfire risk around 39095 S 595 Rd is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 51% of Oklahoma
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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