504 N Stephens St, Ponca City, OK 74601 Property Records

Kay County property record for 504 N Stephens St, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,988 sqft · built 1955
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Oct 2025)
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1210-00-003-002-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`1210-00-003-002-0-000-00`
Alternative APN	`8979`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,988 sqft Living Area
1st Floor Area	1,988 sqft
Utility Area	1,200 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2009
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	148 ft deep x 100 ft wide
Porch	Slab
Porch Area	76 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8979
Street Address	504 N STEPHENS ST
City	PONCA CITY
State	OK
Zip	74601-3541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C-SELVEY SUBDIVISION BLOCK 3 LOT 2
Legal Range	02E
Legal Township	26N
Legal Section	29
Legal Subdivision	SELVEY
Legal Block	3
Legal Lot Number	2
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1007
Census Tract	500

Owner

Source: Kay 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	2 Individual Names on Record
Mailing Address	504 N STEPHENS ST, PONCA CITY, OK 74601-3541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage RCB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	20257818
Deed Book / Page	2014 / 456
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Oct 24, 2025
Property Address	504 N STEPHENS ST, PONCA CITY, OK 74601-3541
Document Number	I2025007818
Book / Page	2014 / 456
Instrument Date	Oct 24, 2025
Instrument	I-2025-007818
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	TITAN TITLE AND CLOSING LLC, TITAN TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
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	504 N STEPHENS ST, PONCA CITY, OK 74601-3541

Mortgage

Document Number	I2025007819
Date	Oct 24, 2025
Instrument	I-2025-007819

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Feb 28, 2022
Property Address	504 N STEPHENS ST, PONCA CITY, OK 74601-3541
Document Number	I2022001549
Book / Page	1897 / 989
Instrument Date	Feb 18, 2022
Instrument	I-2022-001549
Transaction Type	Transfer
Record Updated	Mar 9, 2022

Transaction

Amount	Amount Recorded
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	504 N STEPHENS ST, PONCA CITY, OK 74601-3541

Mortgage

Document Number	I2022001550
Date	Feb 28, 2022
Instrument	I-2022-001550

Lender

Name	RCB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,700 (+41.71%) Land $895 Building $28,805	$270,000 (+41.71%) Land $8,140 Building $261,860
2025	$2,004.00 (-0.94%)	$20,958 (-1.91%) Land $1,164 Building $19,794	$190,528 (-3.86%) Land $10,582 Building $179,946
2024	$2,023.00 (+3.11%)	$21,367 (+5%) Land $1,164 Building $20,203	$198,181 (+7.12%) Land $10,582 Building $187,599
2023	$1,962.00	$20,350 Land $1,164 Building $19,186	$185,000 Land $10,582 Building $174,418

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 August 23, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (1998–2012)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Apr 2012 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2012 · 2 claims

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	Low lower than 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 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

May also be available: Chisholm Broadband, Nextlink.

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