421 N Pine St, Ponca City, OK 74601 Property Records

Kay County property record for 421 N Pine St, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,042 sqft · built 1925
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on File
Last Sale	$57,900 (Feb 2021)
Tax Bill	$661 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10986`

Property Details

APN / Parcel Number

Primary APN	`10986`
Alternative APN	`1550-00-009-023-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,042 sqft Living Area
1st Floor Area	1,042 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2017
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	110 sqft
Patio Area	110 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10986
Street Address	421 N PINE ST
City	PONCA CITY
State	OK
Zip	74601-4131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C - WYLDE ADDITION BLK 9 LOTS 23-24
Legal Range	02E
Legal Township	26N
Legal Section	28
Legal Subdivision	WYLDE
Legal Block	9
Legal Lot Number	23,24
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	2
Census Block	2021
Census Tract	500

Owner

421 N Pine St is owned and occupied by two individuals who bought it in February 2021.

Source: Kay 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	421 N PINE ST, PONCA CITY, OK 74601-4131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Feb 12, 2021	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Prior Sale	May 22, 2013 · Amount on File
Deed Document Number	20211422
Deed Book / Page	1860 / 782
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	421 N PINE ST, PONCA CITY, OK 74601-4131
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 N PINE ST, PONCA CITY, OK 74601-4131

Mortgage

Document Number	I2023006805
Date	Oct 12, 2023
Book Page	1946/798
Instrument	I-2023-006805

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Mar 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Feb 12, 2021
Property Address	421 N PINE ST, PONCA CITY, OK 74601-4131
Document Number	0000001422
Book / Page	1860 / 782
Instrument Date	Feb 12, 2021
Instrument	2021-001422
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	SECURITY TITLE SERVICES, SECURITY TITLE SERVICE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Full Amount Stated
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

Mortgage

Document Number	0000001423
Date	Feb 12, 2021
Instrument	2021-001423

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 421 N Pine St was $661, down 0.6% 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		$6,688 (-3.32%) Land $270 Building $6,418	$60,800 (-3.31%) Land $2,450 Building $58,350
2025	$661.00 (-0.6%)	$6,918 (-1.44%) Land $270 Building $6,648	$62,881 (-1.44%) Land $2,450 Building $60,431
2024	$665.00 (+3.1%)	$7,019 (+4.95%) Land $270 Building $6,749	$63,799 (-0.65%) Land $2,450 Building $61,349
2023	$645.00	$6,688 Land $270 Building $6,418	$64,218 Land $2,450 Building $61,768

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 421 N Pine 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 421 N Pine 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 601 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

May also be available: AT&T, Chisholm Broadband, Nextlink.

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