427 Windemere, Ada, OK 74820 Property Records

Pontotoc County property record for 427 Windemere, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,741 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Aug 2020)
Tax Bill	$2,597 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jul 2005 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16170`

Property Details

APN / Parcel Number

Primary APN	`16170`
Alternative APN	`0438-00-001-015-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,741 sqft Living Area
1st Floor Area	1,741 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	161 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16170
Street Address	427 WINDEMERE
City	ADA
State	OK
Zip	74820-8412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLOCK 1 KINGSRIDGE PHASE II
Legal Subdivision	KINGSRIDGE PHASE II SD ADA. 4-3-6
Legal Phase	II
Legal Block	1
Legal Lot Number	15
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1008
Census Tract	89300

Owner

427 Windemere is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	427 WINDEMERE, ADA, OK 74820-8412
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 12, 2020	Warranty Deed, Transfer · FHA Mortgage CITIZENS BANK OF ADA
Jul 19, 2005	Warranty Deed, Transfer · ARM CITIZENS BANK OF ADA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2020 · Amount on File
Deed Sale	Aug 12, 2020 · Amount on File
Prior Sale	Sep 14, 2015 · Amount on File
Deed Document Number	20204303
Deed Book / Page	3422 / 32
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Aug 12, 2020
Property Address	427 WINDEMERE, ADA, OK 74820-8412
Document Number	0003422/32
Book / Page	3422 / 32
Instrument Date	Aug 3, 2020
Instrument	2020-004303
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	ALLIANT NATIONAL TITLE INSURANCE COMPANY, ALLIANT NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
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
Address	427 WINDEMERE, ADA, OK 74820-8412

Mortgage

Document Number	2020004304
Date	Aug 12, 2020
Instrument	2020-004304

Lender

Name	CITIZENS BANK OF ADA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jul 19, 2005
Property Address	427 WINDEMERE, ADA, OK 74820-8412
Document Number	002010/230
Book / Page	2010 / 230
Instrument Date	Jul 15, 2005
Instrument	2005-004615
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	427 WINTER ROSE TER, BYNG, OK 74820-4431

Mortgage

Document Number	2005004616
Date	Jul 19, 2005
Instrument	2005-004616

Lender

Name	CITIZENS BANK OF ADA

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Aug 1, 2010
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11%
Index	1-Year LIBOR
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 427 Windemere was $2,597, up 1.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,181 (+5%) Land $3,638 Building $22,543	$218,181 (-7.54%) Land $30,319 Building $187,862
2025	$2,597.00 (+1.33%)	$24,935 (+5%) Land $3,465 Building $21,470	$235,974 (+7.52%) Land $35,000 Building $200,974
2024	$2,563.00 (+9.86%)	$23,748 (+5%) Land $3,300 Building $20,448	$219,461 (+10.55%) Land $27,500 Building $191,961
2023	$2,333.00	$22,617 Land $3,300 Building $19,317	$198,522 Land $27,500 Building $171,022

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 427 Windemere in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.

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 Claims	6 (2009–2025)
Claims Outside the SFHA	2 of 6
Most Recent Claim	May 2025 · rainfall accumulation

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 427 Windemere is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 88% of Oklahoma
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ADA serves 22,600 people · EPA ID OK2006201
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2023–2025) 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	2 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Atlink Services Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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