409 N 3rd St, Jay, OK 74346 Property Records

Delaware County property record for 409 N 3rd St, Jay, OK 74346 · Last verified February 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1 Baths
Square Footage	1,334 sqft Living Area
Occupancy	Owner Occupied
Last Sale	$80,000 (2021)
Tax Bill	$904.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`23N23E-36-0-50170-044-0007`
Alternative APNs	`0092340` `92340`

Interior

Bedrooms	4 Beds
Full Baths	1 Baths
Building Area	1,334 sqft Living Area
Stories	1 Stories

Exterior

Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Concrete Foundation
Roof Material	Metal Roof

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	92340
Street Address	409 N 3RD ST
City	JAY
State	OK
Zip	74346-2813
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CREEKMORE LOTS 1,2,3 & 4 BLOCK 44 2393-413
Legal Subdivision	JAY-CREEKMORE
Legal Block	44
Legal Lot Number	1-4
Jurisdiction	DELAWARE OK
Minor Civil Division	JAY
Census Blockgroup	2
Census Block	2035
Census Tract	376000

Owner

Source: Delaware County records · APN 23N23E-36-0-50170-044-0007

Assessment roll updated October 1, 2025 · Last verified February 2026

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

Owner of Record	Individual Name on File
Mailing Address	409 N 3RD ST, JAY, OK 74346-2813
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Deed Doc Number	0002393413
Deed Book / Page	2393 / 413
Record Refreshed	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Jul 16, 2021
Property Address	409 N 3RD ST, JAY, OK 74346-2813
Document Number	002393/413
Book / Page	2393 / 413
Instrument Date	Jul 16, 2021
Instrument	2021-007784
Transaction Type	Transfer
Record Updated	Mar 08, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N 3RD ST, JAY, OK 74346-2813
Investor	Possibly a Property Investor

Mortgage

Document Number	2021007785
Date	Jul 16, 2021
Instrument	2021-007785

Lender

Name	GRAND SAVINGS BANK
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Delaware County records · Assessment roll updated October 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$904.00 (+1.12%)	$10,143 (+5%) Land $923 Building $9,220	$118,637 (-) Land $13,250 Building $105,387
2024	$894.00 (+9.83%)	$9,660 (+5%) Land $879 Building $8,781	$118,637 (+48.3%) Land $13,250 Building $105,387
2023	$814.00	$9,200 Land $805 Building $8,395	$80,000 Land $7,000 Building $73,000

Flood & Wildfire

409 N 3rd St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Delaware County (40041C), updated September 13, 2019

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 46th percentile of exposed land nationally · 12th in Oklahoma
Wildfire Likelihood	Moderate — about 1 in 1,031 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.