45394 Co Rd 587, Jay, OK 74346 Property Records

Delaware County property record for 45394 Co Rd 587, Jay, OK 74346

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,144 sqft · built 1980
Lot Size	14.5 acres (631,620 sqft)
Owner	Individual Name on Record
Last Sale	$283,000 (Dec 2025)
Tax Bill	$842 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22N23E-27-2-00000-000-0000`

Property Details

APN / Parcel Number

Primary APN	`22N23E-27-2-00000-000-0000`
Alternative APNs	`0034965` `34965`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	631,620 sqft (14.5 acres)
Garage Type	Carport
Garage Area	598 sqft
Carport	Carport
Carport Area	598 sqft

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	500 sqft
Lean-To	280 sqft
Utility Building	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34965
Street Address	45394 COUNTY ROAD 587
City	JAY
State	OK
Zip	74346-6532
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	27-22-23 PT NW DESCRIBED AS: BEG 3276.49' W & 1340.20' S OF NE CORSEC: SE 2 DEG 357.96', SE 83 DEG 214.08', NW 20 DEG 288.41'
Legal Range	23E
Legal Township	22N
Legal Section	27
Jurisdiction	DELAWARE OK
Township / Civil Division	JAY
Census Block Group	3
Census Block	3058
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	Individual Name on Record
Mailing Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2025	Deed of Trust, Mortgage GRAND SAVINGS BANK
Dec 5, 2025	Warranty Deed, Transfer · VA Mortgage ARVEST BANK
Mar 18, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage GRAND SAVINGS BANK
Sep 28, 2020	Personal Representative Deed, Transfer · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Sep 28, 2020 · Amount on Record
Deed Document Number	202510856
Deed Book / Page	2626 / 705
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OK
Property Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002587/68
Date	Apr 23, 2025
Book Page	2587/68
Instrument	I-2025-003238

Lender

Name	GRAND SAVINGS BANK
Type	Bank
Address	JAY, OK 74346

Agreement

Amount	Amount Recorded

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Dec 5, 2025
Property Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532
Document Number	002626/705
Book / Page	2626 / 705
Instrument Date	Dec 5, 2025
Instrument	I-2025-010856
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	GRAND RIVER ABSTRACT AND TITLE, GRAND RIVER ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532

Mortgage

Document Number	I2025010857
Date	Dec 5, 2025
Instrument	I-2025-010857

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OK
Recording Date	Mar 18, 2025
Property Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532
Document Number	002581/180
Book / Page	2581 / 180
Instrument Date	Mar 17, 2025
Instrument	I-2025-002071
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	GRAND RIVER ABSTRACT AND TITLE, GRAND RIVER ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532

Mortgage

Document Number	I2025002072
Date	Mar 18, 2025
Instrument	I-2025-002072

Lender

Name	GRAND SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	DELAWARE OK
Recording Date	Sep 28, 2020
Property Address	45394 COUNTY ROAD 587, JAY, OK 74346-6532
Document Number	002342/560
Book / Page	2342 / 560
Instrument Date	Sep 10, 2020
Instrument	2020-008167
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
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	45394 S 587 RD, JAY, OK 74346

Mortgage

Document Number	2020008168
Date	Sep 28, 2020
Instrument	2020-008168

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$19,284 (+84.61%) Land $1,457 Building $17,827	$167,682 (+23.93%) Land $12,667 Building $155,015
2025	$842.00 (+1.08%) Homeowner's exemption	$10,446 (+2.99%) Land $808 Building $9,638	$135,301 (-) Land $12,667 Building $122,634
2024	$833.00 (+6.39%) Homeowner's exemption	$10,143 (+3.01%) Land $785 Building $9,358	$135,301 (+22.19%) Land $12,667 Building $122,634
2023	$783.00 Homeowner's exemption	$9,847 Land $748 Building $9,099	$110,731 Land $7,417 Building $103,314

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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 72% of the US · lower than 62% 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 4 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

Cell Coverage

5G and 4G LTE (outdoors only)

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