4810 E Prospect Ave, Ponca City, OK 74604 Property Records

Kay County property record for 4810 E Prospect Ave, Ponca City, OK 74604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,416 sqft · built 1977
Lot Size	10.3 acres (452,588 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Sep 2026)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan Sep 2025 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21342`

Property Details

APN / Parcel Number

Primary APN	`21342`
Alternative APN	`6440-00-000-000-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,416 sqft Living Area
1st Floor Area	2,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	452,588 sqft (10.3 acres)
Garage Type	Mixed
Garage Area	2,254 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	504 sqft
Porch	Slab
Porch Area	300 sqft
Patio Area	300 sqft
Gazebo	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21342
Street Address	4810 E PROSPECT AVE
City	PONCA CITY
State	OK
Zip	74604-5760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONGWOOD-LAKEVIEW SUB TR #2& TR #3& #4, LESS S 245'
Legal Range	03E
Legal Township	26N
Legal Section	18
Legal Subdivision	LAKEVIEW
Legal Tract	2-4
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1052
Census Tract	600

Owner

Source: Kay County records, as of October 8, 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	4810 E PROSPECT AVE, PONCA CITY, OK 74604-5760
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Warranty Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK OF OKLAHOMA
Sep 30, 2025	Warranty Deed, Transfer · Line of Credit EQUITY BANK
Feb 23, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Sep 30, 2025 · Amount on Record
Deed Document Number	20266978
Deed Book / Page	2049 / 384
Prior Transfer Date	Jun 23, 2025
Prior Transfer Doc	I2025004493
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Sep 30, 2026
Property Address	4810 E PROSPECT AVE, PONCA CITY, OK 74604-5760
Document Number	0000006978
Book / Page	2049 / 384
Instrument Date	Sep 30, 2026
Instrument	20266978
Transaction Type	Construction Loan
Record Updated	Oct 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67,417.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4810 E PROSPECT AVE, PONCA CITY, OK 74604-5760

Mortgage

Document Number	0000006979,
Date	Sep 30, 2026
Book Page	2049/389
Instrument	20266979

Lender

Name	FIRST NATIONAL BANK OF OKLAHOMA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Due	Sep 30, 2026

Interest

Max Rate	-1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Sep 30, 2025
Property Address	4810 E PROSPECT AVE, PONCA CITY, OK 74604-5760
Document Number	I2025006965
Book / Page	2011 / 128
Instrument Date	Sep 29, 2025
Instrument	I-2025-006965
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	UNKNOWN, MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2025006966
Date	Sep 30, 2025
Instrument	I-2025-006966

Lender

Name	EQUITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KAY OK
Recording Date	Feb 23, 2024
Property Address	4810 E PROSPECT AVE, PONCA CITY, OK 74604-5760
Document Number	I2024001140
Book / Page	1957 / 348
Instrument Date	Feb 23, 2024
Instrument	I-2024-001140
Transaction Type	Transfer
Record Updated	Mar 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2422 HUNT RD, PONCA CITY, OK 74604-6661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 N 2ND ST, PONCA CITY, OK 74601-4323

Tax Assessment & Valuation

Source: Kay County assessment roll, as of January 16, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Kay County
Unified School District	Ponca City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,228 (+100.92%) Land $5,803 Building $38,425	$402,066 (+40.47%) Land $52,750 Building $349,316
2025	$1,980.00 (+4.43%) Homeowner's exemption	$22,013 (+2.99%) Land $4,062 Building $17,951	$286,234 (-0.8%) Land $36,925 Building $249,309
2024	$1,896.00 (+2.49%) Homeowner's exemption	$21,373 (+3%) Land $4,062 Building $17,311	$288,542 (+52.97%) Land $36,925 Building $251,617
2023	$1,850.00 Homeowner's exemption	$20,750 Land $4,062 Building $16,688	$188,632 Land $36,925 Building $151,707

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 August 23, 2016 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1993–2025)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jun 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

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

Wildfire Risk	Very High above 92% of the US · above 92% of Oklahoma
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	KAY CO RWD #1 serves 1,765 people · EPA ID OK3003605
Water Source	Purchased surface water from PONCA CITY MUN WATER
Last State Inspection	Aug 2022
Lead	Under 1 ppb (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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ponca City Utility Authority Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Chisholm Broadband, Nextlink.

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