523 Cobblestone Dr, Ada, OK 74820 Property Records

Pontotoc County property record for 523 Cobblestone Dr, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,641 sqft · built 2016
Lot Size	0.584 acres (25,444 sqft)
Owner	2 Individual Names on File
Last Sale	$376,500 (Apr 2017)
Tax Bill	$5,181 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26233`

Property Details

APN / Parcel Number

Primary APN	`26233`
Alternative APN	`0373-00-000-008-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,641 sqft Living Area
1st Floor Area	2,642 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	25,444 sqft (0.584 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	12 Parking Spaces
Porch	Slab
Porch Area	449 sqft
Patio Area	147 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26233
Street Address	523 COBBLESTONE DR
City	ADA
State	OK
Zip	74820-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 COBBLESTONE ADD.
Legal Subdivision	COBBLESTONE - ADA SD. - SE NE 4-3-6
Legal Lot Number	8
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	1
Census Block	1008
Census Tract	89300

Owner

523 Cobblestone Dr is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 COBBLESTONE DR, ADA, OK 74820-8455
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
May 18, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST UNITED BANK & TRUST CO
Apr 24, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2017 · Amount on File
Deed Sale	Apr 24, 2017 · Amount on File
Deed Document Number	20172020
Deed Book / Page	3112 / 226
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	523 COBBLESTONE DR, ADA, OK 74820-8455
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3504/280
Date	May 18, 2021
Book Page	3504/280
Instrument	2021-003029

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

April 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Apr 24, 2017
Property Address	523 COBBLESTONE DR, ADA, OK 74820-8455
Document Number	003112/226
Book / Page	3112 / 226
Instrument Date	Apr 21, 2017
Instrument	2017-002020
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 COBBLESTONE DR, ADA, OK 74820-8455

Mortgage

Document Number	3112/227
Date	Apr 24, 2017
Book Page	3112/227
Instrument	2017-002021

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 523 Cobblestone Dr was $5,181, up 1.3% from the year before.

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
2026		$51,305 (+3.14%) Land $6,840 Building $44,465	$427,540 (+1.73%) Land $57,000 Building $370,540
2025	$5,181.00 (+1.31%)	$49,743 (+5%) Land $6,840 Building $42,903	$420,280 (-3.29%) Land $57,000 Building $363,280
2024	$5,114.00 (+9.86%)	$47,375 (+5%) Land $6,840 Building $40,535	$434,579 (+15.58%) Land $57,000 Building $377,579
2023	$4,655.00	$45,119 Land $6,840 Building $38,279	$375,990 Land $57,000 Building $318,990

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 523 Cobblestone Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.

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

Wildfire risk around 523 Cobblestone Dr is moderate, ranking above 47% of the US, with a 0.1% annual chance of 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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