765 20 Rd, Ponca City, OK 74604 Property Records

Osage County property record for 765 20 Rd, Ponca City, OK 74604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,866 sqft · built 1991
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Dec 2009)
Tax Bill	$804 (2025)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32-26-04-01100`

Property Details

APN / Parcel Number

Primary APN	`32-26-04-01100`
Alternative APN	`40429`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,866 sqft Living Area
1st Floor Area	1,866 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Detached
Garage Area	2,214 sqft

Exterior Amenities

Porch	Covered Porch
Porch Area	470 sqft
Lean-To	592 sqft
Utility Building	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	40429
Street Address	765 20 RD
City	PONCA CITY
State	OK
Zip	74604-6163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32-26-4 E/2 N/2 NW NW NW
Legal Range	04E
Legal Township	26N
Legal Section	32
Legal Block	26
Jurisdiction	OSAGE OK
Township / Civil Division	NORTHWEST OSAGE
Census Block Group	1
Census Block	1249
Census Tract	940011

Owner

Source: Osage County records · APN 32-26-04-01100

Assessment roll updated October 1, 2025 · Last verified February 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
Co-owner	Verified Secondary Owner
Mailing Address	765 20 RD, PONCA CITY, OK 74604-6163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 22, 2009 · Amount on Record
Deed Sale	Dec 22, 2009 · Amount on Record
Deed Document Number	2009-009168
Deed Book / Page	1407 / 534
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSAGE OK
Property Address	765 20 RD, PONCA CITY, OK 74604-6163
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001841/632
Date	May 13, 2022
Book Page	1841/632
Instrument	I-2022-003892

Lender

Name	AMERICAN EQUITY BANK
Type	Bank
Address	PONCA CITY, OK 74601

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osage County records · Assessment roll updated October 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$804.00 (+11.67%) Homeowner's exemption	$8,566 (+2.99%) Land $1,183 Building $7,383	$74,023 (-) Land $12,500 Building $61,523
2024	$720.00 (+7.62%) Homeowner's exemption	$8,317 (+3%) Land $934 Building $7,383	$74,023 (-) Land $12,500 Building $61,523
2023	$669.00 (+12.82%) Homeowner's exemption	$8,075 (+9.42%) Land $692 Building $7,383	$74,023 (+20.38%) Land $12,500 Building $61,523
2022	$593.00 Homeowner's exemption	$7,380 Land $488 Building $6,892	$61,493 Land $4,063 Building $57,430

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 20, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	High above 86% of the US · above 75% of Oklahoma
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	1,000 / 35
Starlink Satellite	280 / 30

Based on FCC filings for 3 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OSAGE CO RWS & SWD #3 (BRADEN) serves 700 people
Water Source	Purchased surface water from PONCA CITY MUN WATER
Last State Inspection	Sep 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.