6545 Rustic Rd, Ponca City, OK 74604 Property Records

Kay County property record for 6545 Rustic Rd, Ponca City, OK 74604 · Last verified June 2026

Property Summary

Property Type	Rural Home
Details	5 bd · 3 ba · 4,408 sqft · built 1994
Lot Size	29.8 acres (1,301,573 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (May 2026)
Tax Bill	$3,240 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20647`

Property Details

APN / Parcel Number

Primary APN	`20647`
Alternative APN	`6200-21-026-03E-4-004-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,408 sqft Living Area
1st Floor Area	3,205 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	1,301,573 sqft (29.8 acres)
Garage Type	Attached
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	740 sqft
Porch	Slab
Porch Area	204 sqft
Patio Area	204 sqft
Shed	1 Shed
Shed Area	160 sqft
Utility Building	1,500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20647
Street Address	6545 RUSTIC RD
City	PONCA CITY
State	OK
Zip	74604-5916
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LONGWOOD TWP 21- 26- 3E TR BEG NE/C SE/4 W2639.99' S328.37' TO POB E1320.17' S986.05' W1320.70' N 985.11' TO POB
Legal Range	03E
Legal Township	26N
Legal Section	21
Legal Subdivision	LONGWOOD TOWNSHIP
Legal Block	26
Legal Lot Number	3E
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	1
Census Block	1058
Census Tract	600

Owner

Source: Kay County records · APN 20647

Assessment roll updated January 16, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	6545 RUSTIC RD, PONCA CITY, OK 74604-5916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Deed Document Number	20263419
Deed Book / Page	2035 / 241
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	May 13, 2026
Property Address	6545 RUSTIC RD, PONCA CITY, OK 74604-5916
Document Number	0000003419
Book / Page	2035 / 241
Instrument Date	May 13, 2026
Instrument	2026.3419
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$109,080.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6545 RUSTIC RD, PONCA CITY, OK 74604-5916

Mortgage

Document Number	0000003420,
Date	May 13, 2026
Instrument	2026..3420

Lender

Name	RCB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Kay County records · Assessment roll updated January 16, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Kay County
Unified School District	Ponca City Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,240.00 (+4.42%) Homeowner's exemption	$35,378 (+3%) Land $656 Building $34,722	$468,212 (+0.12%) Land $5,962 Building $462,250
2024	$3,103.00 (+2.41%) Homeowner's exemption	$34,348 (+3%) Land $656 Building $33,692	$467,660 (+54.26%) Land $5,962 Building $461,698
2023	$3,030.00 Homeowner's exemption	$33,348 Land $1,784 Building $31,564	$303,157 Land $16,215 Building $286,942

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kay County (40071C), updated August 23, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 400710006001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1993–2025)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jun 2025, rainfall accumulation

Wildfire

Wildfire Risk	Extreme above 97% of the US · above 100% of Oklahoma
Wildfire Likelihood	About 1 in 53 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cable One	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: City of Ponca, Oklahoma, Chisholm Broadband, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.