7909 Joy Rd, Spencer, OK 73084 Property Records

Oklahoma County property record for 7909 Joy Rd, Spencer, OK 73084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 2022
Lot Size	0.688 acres (29,969 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Oct 2023)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3327-14-124-2975`

Property Details

APN / Parcel Number

Primary APN	`3327-14-124-2975`
Alternative APNs	`R141242975` `141242975`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,558 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	29,969 sqft (0.688 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Account Number	R141242975
Street Address	7909 JOY RD
City	SPENCER
State	OK
Zip	73084-6636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	NEW CHANCE CITY ADD 000 060
Legal Range	01W
Legal Township	13N
Legal Section	32
Legal Subdivision	NEW CHANCE CITY ADD
Legal Tract	60
Legal Lot Number	60
Jurisdiction	OKLAHOMA OK
Township / Civil Division	OKLAHOMA CITY NORTHEAST
Census Block Group	4
Census Block	4031
Census Tract	108900

Owner

Source: Oklahoma County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	7909 JOY RD, SPENCER, OK 73084-6636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 9, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OKLAHOMA
Mar 21, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 8, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OKLAHOMA
Jul 28, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2023 · Amount on Record
Deed Sale	Oct 11, 2023 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	2023130763
Deed Book / Page	15577 / 904
Prior Transfer Date	Mar 21, 2023
Prior Transfer Doc	0001034545
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Oct 11, 2023
Property Address	7909 JOY RD, SPENCER, OK 73084-6636
Document Number	0001130763
Book / Page	15577 / 904
Instrument Date	Oct 2, 2023
Instrument	2023101101130763
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7909 JOY RD, SPENCER, OK 73084-6636

Mortgage

Document Number	0001130764
Date	Oct 11, 2023
Instrument	2023101101130764

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0001130765
Date	Oct 11, 2023
Book Page	15577/927
Instrument	2023101101130765

Lender

Name	RURAL ENTERPRISES OF OKLAHOMA INC
Type	Non-Lending Institution
Address	DURANT, OK 74701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2033

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	7909 JOY RD, SPENCER, OK 73084-6636
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001059752
Date	May 9, 2023
Book Page	15454/1061
Instrument	2023050901059752

Lender

Name	FIRST NATIONAL BANK OF OKLAHOMA
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 1, 2023

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Mar 21, 2023
Property Address	7909 JOY RD, SPENCER, OK 73084-6636
Document Number	0001034545
Book / Page	15413 / 1055
Instrument Date	Mar 20, 2023
Instrument	2023032101034545
Transaction Type	Transfer
Record Updated	Apr 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	7909 JOY RD, SPENCER, OK 73084-6636
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001120996
Date	Aug 8, 2022
Book Page	15235/1764
Instrument	2022080801120996

Lender

Name	FIRST NATIONAL BANK OF OKLAHOMA
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jul 26, 2023

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Jul 28, 2021
Property Address	7909 JOY RD, SPENCER, OK 73084-6636
Document Number	0001133126
Book / Page	14836 / 613
Instrument Date	Jul 28, 2021
Instrument	2021072801133126
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO

Transaction

Amount	Amount Recorded
Tax	$7.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 N MICHIGAN ST # 19371, 19371, OKLAHOMA CITY, OK 73117

Tax Assessment & Valuation

Source: Oklahoma County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,372.00 (+1,287.65%)	$27,445 (+1,286.11%) Land $1,980 Building $25,465	$249,500 (+1,286.11%) Land $18,000 Building $231,500
2023	$243.00 (+4.74%)	$1,980 (-) Land $1,980	$18,000 (-) Land $18,000
2022	$232.00	$1,980 Land $1,980	$18,000 Land $18,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Most Recent Claim	May 1982 · 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

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

Wildfire Risk	High above 70% of the US · lower than 64% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Verizon Fixed Wireless	300 / 20
Airosurf Communications Fixed Wireless	250 / 50

May also be available: Atlink Services.

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