512 Lora Ave, Ponca City, OK 74601 Property Records

Kay County property record for 512 Lora Ave, Ponca City, OK 74601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,673 sqft · built 1978
Lot Size	0.333 acres (14,505 sqft)
Owner	Individual Name on File
Tax Bill	$838 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-00-003-019-0-000-00`

Property Details

APN / Parcel Number

Primary APN	`1010-00-003-019-0-000-00`
Alternative APN	`7712`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,673 sqft Living Area
1st Floor Area	1,673 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,505 sqft (0.333 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	27 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7712
Street Address	512 LORA AVE
City	PONCA CITY
State	OK
Zip	74601-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C-NORTH MEADOWLARK BLK 3 LOT 19..FREEZE
Legal Range	02E
Legal Township	26N
Legal Section	16
Legal Subdivision	NORTH MEADOWLARK
Legal Block	3
Legal Lot Number	19
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	6
Census Block	6016
Census Tract	100

Owner

512 Lora Ave is owned and occupied by an individual who acquired it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	512 LORA AVE, PONCA CITY, OK 74601-1322
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 6, 2022	Affidavit of Death of Joint Tenant, Transfer
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 20, 2019
Transfer Doc	0000009763
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	512 LORA AVE, PONCA CITY, OK 74601-1322
Transaction Type	Mortgage
Record Updated	May 17, 2022
Title Company	OKLAHOMA LAND TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003021
Date	Apr 29, 2020
Book Page	1834/592
Instrument	2020-003021

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	KAY OK
Recording Date	May 6, 2022
Property Address	512 LORA AVE, PONCA CITY, OK 74601-1322
Document Number	I2022003597
Book / Page	1904 / 789
Instrument Date	May 6, 2022
Instrument	I-2022-003597
Transaction Type	Transfer
Record Updated	May 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KAY OK
Recording Date	Jul 25, 2018
Property Address	512 LORA AVE, PONCA CITY, OK 74601-1322
Document Number	0000005669
Book / Page	001782 / 000435
Instrument Date	Jul 25, 2018
Instrument	5669
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim 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	512 LORA AVE PONCA CITY OK 746011322, PONCA CITY, OK 74601-1322

Tax Assessment & Valuation

The 2025 property tax bill for 512 Lora Ave was $838 with a homeowner's exemption, up 1% from the year before.

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		$9,765 (-) Land $884 Building $8,881	$88,768 (-42.14%) Land $8,034 Building $80,734
2025	$838.00 (+0.96%) Homeowner's exemption	$9,765 (+0.01%) Land $878 Building $8,887	$153,431 (-4.04%) Land $13,795 Building $139,636
2024	$830.00 (+1.47%) Homeowner's exemption	$9,764 (+3%) Land $1,517 Building $8,247	$159,896 (+8.51%) Land $13,795 Building $146,101
2023	$818.00 Homeowner's exemption	$9,480 Land $1,517 Building $7,963	$147,351 Land $13,795 Building $133,556

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 512 Lora Ave in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1979.

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	5 in force
Nearby Flood Claims	13 (1979–2008)
Claims Outside the SFHA	2 of 13
Most Recent Claim	May 2008 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, May 1987 · 4 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

Wildfire risk around 512 Lora Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Oklahoma
Wildfire Likelihood	0.01% 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	KAY CO RWD #3 serves 1,000 people · EPA ID OK3003602
Water Source	Purchased surface water from PONCA CITY MUN WATER
Last State Inspection	Oct 2022
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 92 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
Chisholm Broadband Fixed Wireless	100 / 40

May also be available: AT&T, Kwikbit, Nextlink.

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