820 Charles Dr, Ada, OK 74820 Property Records

Pontotoc County property record for 820 Charles Dr, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,758 sqft · built 1965
Lot Size	0.173 acres (7,560 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Aug 2026)
Tax Bill	$1,194 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2007 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15176`

Property Details

APN / Parcel Number

Primary APN	`15176`
Alternative APN	`0315-00-001-005-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2007
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,560 sqft (0.173 acres)
Lot Dimensions	126 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	248 sqft
Patio Area	68 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15176
Street Address	820 CHARLES DR
City	ADA
State	OK
Zip	74820-8070
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLOCK 1 THOMPSON HOWARD ADDITION
Legal Subdivision	THOMPSON HOWARD -ADA SD-NE 5-3-6
Legal Block	1
Legal Lot Number	5
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	2
Census Block	2002
Census Tract	89300

Owner

820 Charles Dr is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	820 CHARLES DR, ADA, OK 74820-8070
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
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE COMPANY
Nov 1, 2007	Warranty Deed, Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Nov 1, 2007 · Amount on File
Deed Document Number	20264811
Deed Book / Page	4040 / 109
Prior Transfer Date	Oct 15, 2007
Prior Transfer Doc	002220/239
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Aug 17, 2026
Property Address	820 CHARLES DR, ADA, OK 74820-8070
Document Number	0000004811
Book / Page	4040 / 109
Instrument Date	Aug 12, 2026
Instrument	20264811
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 CHARLES DR, ADA, OK 74820-8070

Mortgage

Document Number	0000004812,
Date	Aug 17, 2026
Instrument	20264812

Lender

Name	TOWNE MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Nov 1, 2007
Property Address	820 CHARLES DR, ADA, OK 74820-8070
Document Number	002220/240
Book / Page	2220 / 240
Instrument Date	Oct 31, 2007
Instrument	2007-007095
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 CHARLES DR, ADA, OK 74820-8070

Mortgage

Document Number	2007007096
Date	Nov 1, 2007
Instrument	2007-007096

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 820 Charles Dr was $1,194 with a homeowner's exemption, up 1.4% 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		$12,838 (+3%) Land $2,100 Building $10,738	$106,980 (-36.18%) Land $17,500 Building $89,480
2025	$1,194.00 (+1.36%) Homeowner's exemption	$12,464 (+3%) Land $2,100 Building $10,364	$167,637 (+54.17%) Land $17,500 Building $150,137
2024	$1,178.00 (+6.22%) Homeowner's exemption	$12,101 (+3%) Land $2,100 Building $10,001	$108,734 (+7.43%) Land $17,500 Building $91,234
2023	$1,109.00 Homeowner's exemption	$11,748 Land $2,100 Building $9,648	$101,217 Land $17,500 Building $83,717

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 820 Charles Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 17, 2012

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

Wildfire risk around 820 Charles Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.02% 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	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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
360 Broadband Fixed Wireless	400 / 50
Atlink Services Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Charles Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures