4045 Co Rd 1650, Roff, OK 74865 Property Records

Pontotoc County property record for 4045 Co Rd 1650, Roff, OK 74865

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,176 sqft · built 2017
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Jul 2015)
Tax Bill	$4,593 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30817`

Property Details

APN / Parcel Number

Primary APN	`30817`
Alternative APN	`0000-27-002-004-0-011-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,176 sqft Living Area
1st Floor Area	3,184 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)
Garage Type	Attached
Garage Area	909 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	468 sqft
Porch	Open Porch
Porch Area	515 sqft
Patio Area	285 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	30817
Street Address	4045 COUNTY ROAD 1650
City	ROFF
State	OK
Zip	74865-6133
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W2 NW NW DESC 2952/177 FROM #5 SEC. 27-2-4 FITZHUGH TWP
Legal Range	04E
Legal Township	02N
Legal Section	27
Jurisdiction	PONTOTOC OK
Township / Civil Division	SOUTHWEST PONTOTOC
Census Block Group	1
Census Block	1182
Census Tract	89600

Owner

4045 Co Rd 1650, a rural home, is owned and occupied by two individuals who bought it in July 2015.

Source: Pontotoc County records, as of September 23, 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	2 Individual Names on File
Mailing Address	PO BOX 89, ROFF, OK 74865-0089
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2017	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK OF ADA
Apr 15, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK OF ADA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2015 · Amount on File
Deed Sale	Jul 29, 2015 · Amount on File
Deed Document Number	20153981
Deed Book / Page	2952 / 177
Prior Transfer Date	Mar 11, 2015
Prior Transfer Doc	002952/177
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	4045 COUNTY ROAD 1650, ROFF, OK 74865-6133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3096/150
Date	Feb 14, 2017
Book Page	3096/150
Instrument	2017-000802

Lender

Name	CITIZENS BANK OF ADA
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	4045 COUNTY ROAD 1650, ROFF, OK 74865-6133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3388/131
Date	Apr 15, 2020
Book Page	3388/131
Instrument	2020-001849

Lender

Name	CITIZENS BANK OF ADA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4045 Co Rd 1650 was $4,593 with a homeowner's exemption, down 3.7% from the year before.

Source: Pontotoc County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Pontotoc County
Unified School District	Roff Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,405 (+18.67%) Land $1,699 Building $55,706	$478,377 (-11.81%) Land $14,157 Building $464,220
2025	$4,593.00 (-3.71%) Homeowner's exemption	$48,374 (+3%) Land $1,649 Building $46,725	$542,466 (-4.68%) Land $13,745 Building $528,721
2024	$4,770.00 (+11.53%) Homeowner's exemption	$46,965 (+3%) Land $1,649 Building $45,316	$569,095 (+13.26%) Land $13,745 Building $555,350
2023	$4,277.00 Homeowner's exemption	$45,597 Land $1,649 Building $43,948	$502,479 Land $13,745 Building $488,734

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

Flood

FEMA maps place 4045 Co Rd 1650 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective July 17, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 4045 Co Rd 1650 is high, ranking above 82% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 61% of Oklahoma
Wildfire Likelihood	0.6% 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	MURRAY CO RWD # 1 serves 4,800 people · EPA ID OK2005012
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
360 Broadband Fixed Wireless	100 / 25
Atlink Services Fixed Wireless	50 / 10
AT&T Fixed Wireless	25 / 3

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