405 S 3rd St, Ponca City, OK 74601 Property Records

Kay County property record for 405 S 3rd St, Ponca City, OK 74601

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.096 acres (4,182 sqft)
Owner	Company Name on File
Tax Bill	$41 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0820-00-018-017-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`0820-00-018-017-0-000-00`
Alternative APN	`5983`

Exterior

Lot Area	4,182 sqft (0.096 acres)
Lot Dimensions	140 ft deep x 30 ft wide

Location & Zoning

Account Number	5983
Street Address	405 S 3RD ST
City	PONCA CITY
State	OK
Zip	74601-5328
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	P C-LYNCHVILLE ADD BLOCK 18 N10' LOT 17 & ALL LOT 18
Legal Subdivision	LYNCHVILLE
Legal Block	18
Legal Lot Number	17,18
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	2
Census Block	2044
Census Tract	400

Owner

405 S 3rd St, residential vacant land, is owned by a company that acquired it in September 2025.

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

Owner of Record	Company Name on File
Mailing Address	2000 LAKE RD, PONCA CITY, OK 74604-4810
Owner Type	Company
Vesting	Company

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
Sep 28, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OKLAHOMA
May 30, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY NAT'L BK&TR
Jun 29, 2018	Trustee's Deed, Construction Loan · Construction Mortgage RCB BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 1994
Deed Sale	Sep 8, 1994
Deed Book / Page	905 / 171
Last Transfer Date	Sep 18, 2025
Transfer Doc	0000006737
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	405 S 3RD ST, PONCA CITY, OK 74601-5328
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 LAKE RD, PONCA CITY, OK 74604-4810

Mortgage

Document Number	I2025006940
Date	Sep 28, 2025
Book Page	2011/15
Instrument	I-2025-006940

Lender

Name	FIRST NATIONAL BANK OF OKLAHOMA
Type	Bank
Address	1501 E PROSPECT AVE, PONCA CITY, OK 74604

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	405 S 3RD ST, PONCA CITY, OK 74601-5328
Document Number	0000004027
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	413 S 3RD ST PONCA CITY OK 746015328, PONCA CITY, OK 74601-5328

Mortgage

Document Number	0000004027
Date	Jun 7, 2019
Book Page	001807/000826
Instrument	4027

Lender

Name	COMMUNITY NAT'L BK&TR
Type	Bank
Address	PONCA CITY, OK 74601

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KAY OK
Recording Date	Jun 29, 2018
Property Address	405 S 3RD ST, PONCA CITY, OK 74601-5328
Book / Page	001780 / 000683
Instrument Date	Jun 25, 2018
Instrument	5072
Transaction Type	Construction Loan
Record Updated	Jul 11, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 S 3RD ST PONCA CITY OK 74601, PONCA CITY, OK 74601

Mortgage

Document Number	0000005072
Date	Jun 29, 2018
Book Page	001780/000683
Instrument	5072

Lender

Name	RCB BK
Type	Bank
Address	PONCA CITY, OK 74604-1738

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 28, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 405 S 3rd St was $41, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$425 (-) Land $425	$3,864 (-) Land $3,864
2025	$41.00 (+2.5%)	$425 (-) Land $425	$3,864 (-) Land $3,864
2024	$40.00 (-2.44%)	$425 (-) Land $425	$3,864 (-) Land $3,864
2023	$41.00	$425 Land $425	$3,864 Land $3,864

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

Flood

FEMA maps place 405 S 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 23, 2016

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

The area around 405 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 368 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
Chisholm Broadband Fixed Wireless · DSL in parts of the area	100 / 40
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on S 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures