604 E Prospect Ave, Ponca City, OK 74601 Property Records

Kay County property record for 604 E Prospect Ave, Ponca City, OK 74601

Property Summary

Property Type	Office Building
Details	2 ba · 1,250 sqft · built 2001
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,021,500 (Aug 2022)
Tax Bill	$7,558 (2025)
Deeds & Mortgages	Aug 2022 Sale & Line of Credit Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1990-15-026-02E-2-001-10`

Property Details

APN / Parcel Number

Primary APN	`1990-15-026-02E-2-001-10`
Alternative APN	`11748`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,250 sqft Total Area
Gross Area	2,100 sqft
1st Floor Area	2,100 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Metal
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	37,462 sqft (0.86 acres)
Lean-To	16 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	11748
Street Address	604 E PROSPECT AVE
City	PONCA CITY
State	OK
Zip	74601-7401
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	P C - TRS 15-26-2E TR BEG NE/C NW/4 S50' W60' TO POB S240' W188.49' N14E ALONG RR R/W 247.32' E125.03' TO POB
Legal Range	02E
Legal Township	26N
Legal Section	15
Legal Subdivision	UNPLATTED PONCA CITY
Legal Block	26
Legal Lot Number	2E
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	2
Census Block	2006
Census Tract	202

Owner

Source: Kay County records, as of September 23, 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	3311 MILFRED LN, FORT COLLINS, CO 80526-2117
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Special Warranty Deed, Transfer · Line of Credit COMMUNITY NATIONAL BANK & TRUST
Feb 2, 2017	Deed of Trust, Mortgage · Line of Credit THE EASTMAN NATIONAL BANK OF NEWKIRK
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit 1ST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Aug 10, 2020 · Amount on Record
Deed Document Number	20226529
Deed Book / Page	1914 / 815
Record Updated	Oct 29, 2026

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KAY OK
Recording Date	Aug 22, 2022
Property Address	604 E PROSPECT AVE, PONCA CITY, OK 74601-7401
Document Number	I2022006529
Book / Page	1914 / 815
Instrument Date	Aug 5, 2022
Instrument	I-2022-006529
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,532.25
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	3311 MILFRED LN, FORT COLLINS, CO 80526-2117

Mortgage

Document Number	I2022006530
Date	Aug 22, 2022
Book Page	1914/818
Instrument	I-2022-006530

Lender

Name	COMMUNITY NATIONAL BANK & TRUST
Type	Bank
Address	PONCA CITY, OK 74601

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	604 E PROSPECT AVE, PONCA CITY, OK 74601-7401
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000814
Date	Feb 2, 2017
Book Page	1735/0360
Instrument	2017-000814

Lender

Name	THE EASTMAN NATIONAL BANK OF NEWKIRK
Type	Bank
Address	PONCA CITY, OK 74602

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	604 E PROSPECT AVE, PONCA CITY, OK 74601-7401
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002498
Date	Apr 10, 2019
Book Page	1803/0290
Instrument	2019-002498

Lender

Name	1ST STATE BANK
Type	Bank
Address	SAGINAW, MI 48605

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$82,812 (+3.25%) Land $28,478 Building $54,334	$752,833 (-1.61%) Land $258,890 Building $493,943
2025	$7,558.00 (+6.33%)	$80,202 (+5%) Land $28,478 Building $51,724	$765,127 (+2.29%) Land $258,890 Building $506,237
2024	$7,108.00 (+4.3%)	$76,384 (+5%) Land $28,478 Building $47,906	$747,998 (+13.11%) Land $258,890 Building $489,108
2023	$6,815.00	$72,746 Land $28,478 Building $44,268	$661,328 Land $258,890 Building $402,438

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

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

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 31 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
Nextlink Fixed Wireless	100 / 20

May also be available: Chisholm Broadband.

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