509 Cobblestone Dr, Ada, OK 74820 Property Records

Pontotoc County property record for 509 Cobblestone Dr, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,142 sqft · built 2015
Lot Size	0.553 acres (24,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Mar 2026)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Jul 2017 Second Mortgage Jul 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26231`

Property Details

APN / Parcel Number

Primary APN	`26231`
Alternative APN	`0373-00-000-006-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
1st Floor Area	2,182 sqft
Upper Floors Area	960 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	24,113 sqft (0.553 acres)
Garage Type	Attached
Garage Area	814 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	456 sqft
Patio Area	528 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26231
Street Address	509 COBBLESTONE DR
City	ADA
State	OK
Zip	74820-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 COBBLESTONE ADD.
Legal Subdivision	COBBLESTONE - ADA SD. - SE NE 4-3-6
Legal Lot Number	6
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1008
Census Tract	89300

Owner

Source: Pontotoc County records, as of June 30, 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	509 COBBLESTONE DR, ADA, OK 74820-8455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANDMARK BANK NA
Jul 17, 2017	Deed of Trust, Mortgage · ARM LANDMARK BANK NA
Mar 13, 2026	Warranty Deed, Transfer · Non-Conforming Investor Loan RCB BANK
Jul 17, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANDMARK BANK NA
Jul 17, 2017	Deed of Trust, Mortgage · ARM LANDMARK BANK NA
Jun 28, 2016	Warranty Deed, Subdivision Related Transfer · ARM BANK SNB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Jun 28, 2016 · Amount on Record
Deed Document Number	20261270
Deed Book / Page	3987 / 24
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	509 COBBLESTONE DR, ADA, OK 74820-8455
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003133/247
Date	Jul 17, 2017
Book Page	3133/247
Instrument	2017-003570

Lender

Name	LANDMARK BANK NA
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2022

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	509 COBBLESTONE DR, ADA, OK 74820-8455
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003133/229
Date	Jul 17, 2017
Book Page	3133/229
Instrument	2017-003569

Lender

Name	LANDMARK BANK NA
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.62%
Index	1-Year CMT
Margin	3
Max Rate	9.62%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Mar 13, 2026
Property Address	509 COBBLESTONE DR, ADA, OK 74820-8455
Document Number	0003987/24
Book / Page	3987 / 24
Instrument Date	Mar 13, 2026
Instrument	I-2026-001270
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
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	509 COBBLESTONE DR, ADA, OK 74820-8455

Mortgage

Document Number	I2026001271
Date	Mar 13, 2026
Instrument	I-2026-001271

Lender

Name	RCB BANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2056

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	509 COBBLESTONE DR, ADA, OK 74820-8455
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3133/247
Date	Jul 17, 2017
Book Page	3133/247
Instrument	2017-003570

Lender

Name	LANDMARK BANK NA
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2022

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	509 COBBLESTONE DR, ADA, OK 74820-8455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3133/229
Date	Jul 17, 2017
Book Page	3133/229
Instrument	2017-003569

Lender

Name	LANDMARK BANK NA
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.62%
Index	1-Year CMT
Margin	3
Max Rate	9.62%

June 2016: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jun 28, 2016
Property Address	509 COBBLESTONE DR, ADA, OK 74820-8455
Document Number	003038/236
Book / Page	3038 / 236
Instrument Date	Jun 27, 2016
Instrument	2016-003445
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
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	509 COBBLESTONE DR, ADA, OK 74820-8455

Mortgage

Document Number	2016003446
Date	Jun 28, 2016
Instrument	2016-003446

Lender

Name	BANK SNB

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

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
2025	$5,209.00 (+1.32%)	$50,009 (+5%) Land $7,200 Building $42,809	$444,315 (-3.76%) Land $60,000 Building $384,315
2024	$5,141.00 (+9.85%)	$47,628 (+5%) Land $7,200 Building $40,428	$461,669 (-40.01%) Land $60,000 Building $401,669
2023	$4,680.00	$45,360 Land $7,200 Building $38,160	$769,577 Land $60,000 Building $709,577

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 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

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

Wildfire Risk	Moderate above 47% of the US · lower than 87% of Oklahoma
Wildfire Likelihood	0.1% 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	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 169 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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