431 Windemere, Ada, OK 74820 Property Records

Pontotoc County property record for 431 Windemere, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,053 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Jan 2019)
Tax Bill	$2,432 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16168`

Property Details

APN / Parcel Number

Primary APN	`16168`
Alternative APN	`0438-00-001-013-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,053 sqft Living Area
1st Floor Area	2,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
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	157 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	58 sqft
Patio Area	59 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16168
Street Address	431 WINDEMERE
City	ADA
State	OK
Zip	74820-8412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLOCK 1 KINGSRIDGE PHASE II
Legal Subdivision	KINGSRIDGE PHASE II SD ADA. 4-3-6
Legal Phase	II
Legal Block	1
Legal Lot Number	13
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1008
Census Tract	89300

Owner

431 Windemere is owned and occupied by an individual who bought it in January 2019.

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 File
Mailing Address	431 WINDEMERE, ADA, OK 74820-8412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 18, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK OF ADA
May 23, 2017	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	May 23, 2017 · Amount on File
Deed Document Number	2019293
Deed Book / Page	3274 / 156
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	431 WINDEMERE, ADA, OK 74820-8412
Transaction Type	Mortgage
Record Updated	Mar 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003591/78
Date	Mar 8, 2022
Book Page	3591/78
Instrument	I-2022-001322

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jan 18, 2019
Property Address	431 WINDEMERE, ADA, OK 74820-8412
Document Number	003274/156
Book / Page	3274 / 156
Instrument Date	Jan 18, 2019
Instrument	2019-000293
Transaction Type	Transfer
Record Updated	Mar 10, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 WINDEMERE, ADA, OK 74820-8412

Mortgage

Document Number	2019000294
Date	Jan 18, 2019
Instrument	2019-000294

Lender

Name	CITIZENS BANK OF ADA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2034

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	May 23, 2017
Property Address	431 WINDEMERE, ADA, OK 74820-8412
Document Number	003120/053
Book / Page	3120 / 053
Instrument Date	May 22, 2017
Instrument	2017-002551
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
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
Address	431 WINDEMERE, ADA, OK 74820-8412

Mortgage

Document Number	2017002552
Date	May 23, 2017
Instrument	2017-002552

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 431 Windemere was $2,432 with a homeowner's exemption, 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		$25,078 (+3%) Land $3,501 Building $21,577	$208,984 (-20.12%) Land $29,175 Building $179,809
2025	$2,432.00 (+1.33%) Homeowner's exemption	$24,347 (+3.38%) Land $3,399 Building $20,948	$261,615 (+1.24%) Land $35,000 Building $226,615
2024	$2,400.00 (+6.38%) Homeowner's exemption	$23,552 (+3%) Land $3,300 Building $20,252	$258,398 (+10.59%) Land $27,500 Building $230,898
2023	$2,256.00 Homeowner's exemption	$22,866 Land $3,300 Building $19,566	$233,644 Land $27,500 Building $206,144

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 431 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 431 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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