404 N Flormable St, Ponca City, OK 74601 Property Records

Kay County property record for 404 N Flormable St, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,501 sqft · built 1952
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Nov 2015)
Tax Bill	$1,517 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24701`

Property Details

APN / Parcel Number

Primary APN	`24701`
Alternative APN	`7660-00-001-007-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,501 sqft Living Area
1st Floor Area	1,617 sqft
Sunroom	Sunroom
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2014
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Mixed
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	182 sqft
Deck Area	130 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	24701
Street Address	404 N FLORMABLE ST
City	PONCA CITY
State	OK
Zip	74601-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSS - NIDAY SUB LOT 7 BLK 1
Legal Range	02E
Legal Township	26N
Legal Section	29
Legal Subdivision	NIDAY
Legal Block	1
Legal Lot Number	7
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1033
Census Tract	500

Owner

Source: Kay 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	404 N FLORMABLE ST, PONCA CITY, OK 74601-3509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jan 2, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2015 · Amount on Record
Deed Sale	Nov 20, 2015 · Amount on Record
Prior Sale	Nov 20, 2015 · Amount on Record
Deed Document Number	20159622
Deed Book / Page	1696 / 801
Prior Transfer Date	Sep 21, 2007
Prior Transfer Doc	0000009170
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	404 N FLORMABLE ST, PONCA CITY, OK 74601-3509
Document Number	0000003198
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 N FLORMABLE ST PONCA CITY OK 746013509, PONCA CITY, OK 74601-3509

Mortgage

Document Number	0000003198
Date	May 7, 2020
Book Page	001835/000439
Instrument	3198

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	404 N FLORMABLE ST, PONCA CITY, OK 74601-3509
Document Number	0000000221
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2019
Title Company	CHICAGO TITLE OK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 N FLORMABLE ST PONCA CITY OK 746013509, PONCA CITY, OK 74601-3509

Mortgage

Document Number	0000000221
Date	Jan 9, 2019
Book Page	001796/000504
Instrument	221

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	POOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	Kay County
Unified School District	Ponca City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,610 (+3%) Land $1,848 Building $15,762	$160,092 (-4.18%) Land $16,800 Building $143,292
2025	$1,517.00 (+4.48%) Homeowner's exemption	$17,097 (+3%) Land $1,848 Building $15,249	$167,082 (-0.14%) Land $16,800 Building $150,282
2024	$1,452.00 (+2.54%) Homeowner's exemption	$16,599 (+3%) Land $1,848 Building $14,751	$167,324 (+14.21%) Land $16,800 Building $150,524
2023	$1,416.00 Homeowner's exemption	$16,116 Land $1,848 Building $14,268	$146,508 Land $16,800 Building $129,708

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (1998–2012)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Apr 2012 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2012 · 2 claims

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	Low lower than 94% of the US · lower than 96% of Oklahoma
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ponca City Utility Authority Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: Chisholm Broadband.

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