820 Spring Rd, Ponca City, OK 74604 Property Records

Kay County property record for 820 Spring Rd, Ponca City, OK 74604

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,147 sqft · built 1940
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Dec 2018)
Tax Bill	$2,592 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10875`

Property Details

APN / Parcel Number

Primary APN	`10875`
Alternative APN	`1500-00-000-015-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,147 sqft Living Area
1st Floor Area	1,284 sqft
2nd Floor Area	1,146 sqft
Upper Floors Area	302 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2006
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	543 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	61 sqft
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	10875
Street Address	820 SPRING RD
City	PONCA CITY
State	OK
Zip	74604-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P C - WOODLANDS SUB PT TR #15, DESC AS TR#15, LESS S 123.17'
Legal Range	02E
Legal Township	26N
Legal Section	23
Legal Subdivision	WOODLANDS
Legal Tract	15
Legal Lot Number	15
Jurisdiction	KAY OK
Township / Civil Division	PONCA CITY
Census Block Group	2
Census Block	2004
Census Tract	300

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	Individual Name on Record
Mailing Address	820 SPRING RD, PONCA CITY, OK 74604-3925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Dec 17, 2018	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Jan 16, 2007 · Amount on Record
Deed Document Number	20189668
Deed Book / Page	1794 / 583
Prior Transfer Date	May 7, 2015
Prior Transfer Doc	0000004061
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAY OK
Property Address	820 SPRING RD, PONCA CITY, OK 74604-3925
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 SPING RD, PONCA CITY, OK 74604-3925

Mortgage

Document Number	2021003274
Date	Apr 22, 2021
Book Page	1866/934
Instrument	2021-003274

Lender

Name	CENLAR FSB
Type	Bank
Address	08168

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jan 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAY OK
Recording Date	Dec 17, 2018
Property Address	820 SPRING RD, PONCA CITY, OK 74604-3925
Document Number	0000009668
Book / Page	001794 / 000583
Instrument Date	Dec 12, 2018
Instrument	9668
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	SECURITY TITLE COMPANY, SECURITY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 SPRING RD PONCA CITY OK 746043925, PONCA CITY, OK 74604-3925

Mortgage

Document Number	9669
Date	Dec 17, 2018
Book Page	001794/000584
Instrument	9669

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

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		$26,464 (-2.36%) Land $3,589 Building $22,875	$240,578 (-2.36%) Land $32,625 Building $207,953
2025	$2,592.00 (+0.15%)	$27,104 (-0.86%) Land $3,589 Building $23,515	$246,401 (-3.92%) Land $32,625 Building $213,776
2024	$2,588.00 (+3.07%)	$27,338 (+5%) Land $3,589 Building $23,749	$256,467 (+8.35%) Land $32,625 Building $223,842
2023	$2,511.00	$26,036 Land $3,589 Building $22,447	$236,692 Land $32,625 Building $204,067

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 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	5 (2019)
Most Recent Claim	May 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2019 · 5 claims

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	Low lower than 67% of the US · lower than 92% of Oklahoma
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 228 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

May also be available: Chisholm Broadband, Nextlink, T-Mobile.

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