520 N 6th St, Roff, OK 74865 Property Records

Pontotoc County property record for 520 N 6th St, Roff, OK 74865

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 647 sqft · built 1945
Lot Size	0.642 acres (28,000 sqft)
Owner	Individual Name on File
Last Sale	$213,000 (Jan 2023)
Tax Bill	$2,480 (2025)
Deeds & Mortgages	Jul 2018 Construction Loan Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20862`

Property Details

APN / Parcel Number

Primary APN	`20862`
Alternative APN	`1130-00-069-001-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	647 sqft Living Area
1st Floor Area	647 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,000 sqft (0.642 acres)
Lot Dimensions	140 ft deep x 200 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	326 sqft
Patio Area	45 sqft
Shed	1 Shed
Shed Area	360 sqft
Utility Building	750 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Account Number	20862
Street Address	520 N 6TH ST
City	ROFF
State	OK
Zip	74865-6098
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1-2 BLOCK 69 ORIGINAL - ROFF
Legal Subdivision	ROFF-ORIG-ROFF SD-SW13-2-4&SE23-2-4&W2 2
Legal Block	69
Legal Lot Number	1,2
Jurisdiction	PONTOTOC OK
Township / Civil Division	SOUTHWEST PONTOTOC
Census Block Group	2
Census Block	2012
Census Tract	89600

Owner

520 N 6th St is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	520 N 6TH ST, ROFF, OK 74865-6098
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
Jul 19, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
Jan 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST CO
Jan 26, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023 · Amount on File
Deed Sale	Jan 26, 2023 · Amount on File
Prior Sale	Feb 18, 2004 · Amount on File
Deed Document Number	2023411
Deed Book / Page	3675 / 34
Prior Transfer Date	Jan 24, 2023
Prior Transfer Doc	0003675/34
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	520 N 6TH ST, ROFF, OK 74865-6098
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003232/231
Date	Jul 19, 2018
Book Page	3232/231
Instrument	2018-003956

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	PAULS VALLEY, OK 73075

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 12, 2019

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	520 N 6TH ST, ROFF, OK 74865-6098
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003362/269
Date	Jan 2, 2020
Book Page	3362/269
Instrument	2020-000034

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	PAULS VALLEY, OK 73075

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jan 26, 2023
Property Address	520 N 6TH ST, ROFF, OK 74865-6098
Document Number	0003675/34
Book / Page	3675 / 34
Instrument Date	Jan 24, 2023
Instrument	I-2023-000411
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	HOMERUN TITLE, HOME TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N 6TH ST, ROFF, OK 74865-6098

Mortgage

Document Number	I2023000412
Date	Jan 26, 2023
Instrument	I-2023-000412

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 520 N 6th St was $2,480 with a homeowner's exemption, down 3.7% from the year before.

Source: Pontotoc County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Pontotoc County
Municipality	Roff Town
Unified School District	Roff Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$25,590 (+0.02%) Land $900 Building $24,690	$213,249 (+0.02%) Land $7,500 Building $205,749
2025	$2,480.00 (-3.73%)	$25,584 (+0.09%) Land $900 Building $24,684	$213,198 (+0.09%) Land $7,500 Building $205,698
2024	$2,576.00 (+124.19%)	$25,560 (+96.92%) Land $900 Building $24,660	$213,000 (+96.91%) Land $7,500 Building $205,500
2023	$1,149.00 Homeowner's exemption	$12,980 Land $300 Building $12,680	$108,170 Land $2,500 Building $105,670

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

FEMA maps place 520 N 6th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 17, 2012

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

Wildfire risk around 520 N 6th St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 73% of Oklahoma
Wildfire Likelihood	0.2% 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	ROFF serves 800 people · EPA ID OK2006206
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	Under 1 ppb (2025–2027) 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	4 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
360 Broadband Fixed Wireless	200 / 50

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