431 Ridgeview Dr, Ada, OK 74820 Property Records

Pontotoc County property record for 431 Ridgeview Dr, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,945 sqft · built 1982
Lot Size	1.81 acres (79,251 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Nov 2021)
Tax Bill	$2,763 (2025)
Deeds & Mortgages	May 2026 Construction Loan Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`18201`

Property Details

APN / Parcel Number

Primary APN	`18201`
Alternative APN	`0775-00-001-003-0-000-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,945 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,251 sqft (1.81 acres)
Lot Dimensions	296 ft deep x 267 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Patio Area	56 sqft
Shed	1 Shed
Shed Area	128 sqft
Gazebo	384 sqft
Utility Building	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	18201
Street Address	431 RIDGEVIEW DR
City	ADA
State	OK
Zip	74820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 1 FAIRVIEW SUB.
Legal Subdivision	FAIRVIEW -SD 16- SW 36-4-6
Legal Block	1
Legal Lot Number	3
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1024
Census Tract	88801

Owner

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	Individual Name on Record
Mailing Address	14803 COUNTY ROAD 3584, ADA, OK 74820-3066
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK AND TRUST COMPANY
Nov 5, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Nov 5, 2010 · Amount on Record
Deed Document Number	20216891
Deed Book / Page	3557 / 173
Prior Transfer Date	Jun 28, 2016
Prior Transfer Doc	0000003464
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Recording Date	May 21, 2026
Property Address	431 RIDGEVIEW DR, ADA, OK 74820
Document Number	0000002861
Book / Page	4010 / 167
Instrument Date	May 14, 2026
Instrument	20262861
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002861,
Date	May 21, 2026
Book Page	4010/167
Instrument	20262861

Lender

Name	FIRST UNITED BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 14, 2027

Interest

Rate	6.3%
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Nov 5, 2021
Property Address	431 RIDGEVIEW DR, ADA, OK 74820
Document Number	003557/173
Book / Page	3557 / 173
Instrument Date	Oct 28, 2021
Instrument	2021-006891
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount Recorded
Tax	$150.00
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	14803 COUNTY ROAD 3584, ADA, OK 74820-3066

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$32,148 (+5%) Land $2,700 Building $29,448	$267,900 (-8.54%) Land $22,500 Building $245,400
2025	$2,763.00 (+0.22%)	$30,616 (+4.99%) Land $2,685 Building $27,931	$292,929 (-2.79%) Land $22,500 Building $270,429
2024	$2,757.00 (+31.6%)	$29,160 (+8.5%) Land $2,558 Building $26,602	$301,338 (+25.46%) Land $22,500 Building $278,838
2023	$2,095.00	$26,875 Land $2,511 Building $24,364	$240,183 Land $22,500 Building $217,683

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

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	2 in force

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

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

Wildfire Risk	Moderate above 60% of the US · lower than 78% of Oklahoma
Wildfire Likelihood	0.2% 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 40 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
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband, BLS Broadband.

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