43705 S 589 Rd, Jay, OK 74346 Property Records

Delaware County property record for 43705 S 589 Rd, Jay, OK 74346

Property Summary

Property Type	Rural Home
Details	1 ba · 1,568 sqft · built 1996
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Nov 2019)
Tax Bill	$1,075 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22N23E-15-4-00000-000-0000`

Property Details

APN / Parcel Number

Primary APN	`22N23E-15-4-00000-000-0000`
Alternative APNs	`0087178` `87178`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,568 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	87178
Street Address	43705 S 589 RD
City	JAY
State	OK
Zip	74346-6677
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	15-22-23 W2 NE SE 2300-15
Legal Range	23E
Legal Township	22N
Legal Section	15
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	3
Census Block	3054
Census Tract	376000

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	43705 S 589 RD, JAY, OK 74346-6677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 13, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 4, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on Record
Deed Sale	Nov 4, 2019 · Amount on Record
Prior Sale	Feb 27, 2017 · Amount on Record
Deed Document Number	20198764
Deed Book / Page	2300 / 15
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	43705 S 589 RD, JAY, OK 74346-6677
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002489/545
Date	Jun 2, 2023
Book Page	2489/545
Instrument	I-2023-004533

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	43705 S 589 RD, JAY, OK 74346-6677
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002469/673
Date	Dec 13, 2022
Book Page	2469/673
Instrument	I-2022-011829

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Nov 4, 2019
Property Address	43705 S 589 RD, JAY, OK 74346-6677
Document Number	002300/015
Book / Page	2300 / 015
Instrument Date	Oct 29, 2019
Instrument	2019-008764
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount Recorded
Tax	$97.50
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	9993 COUNTY ROAD 445, JAY, OK 74346-7016

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of February 10, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$12,425 (+2.99%) Land $973 Building $11,452	$108,049 (-33.05%) Land $8,464 Building $99,585
2025	$1,075.00 (+1.03%)	$12,064 (+3.01%) Land $945 Building $11,119	$161,395 (-) Land $13,857 Building $147,538
2024	$1,064.00 (+5.66%)	$11,712 (+2.99%) Land $917 Building $10,795	$161,395 (+21.51%) Land $13,857 Building $147,538
2023	$1,007.00	$11,372 Land $884 Building $10,488	$132,821 Land $8,607 Building $124,214

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 September 13, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	High above 71% of the US · lower than 63% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	JAY serves 2,482 people · EPA ID OK1021674
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Grand Telephone Company DSL	25 / 3

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