905 Charles Dr, Ada, OK 74820 Property Records

Pontotoc County property record for 905 Charles Dr, Ada, OK 74820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1971
Lot Size	0.186 acres (8,106 sqft)
Owner	2 Individual Names on File
Last Sale	$86,500 (Jan 2017)
Tax Bill	$1,277 (2025)
Deeds & Mortgages	Sep 2025 Construction Loan Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15253`

Property Details

APN / Parcel Number

Primary APN	`15253`
Alternative APN	`0315-00-006-003-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,106 sqft (0.186 acres)
Lot Dimensions	157 ft deep x 51.5 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	35 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	15253
Street Address	905 CHARLES DR
City	ADA
State	OK
Zip	74820-8071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 6 THOMPSON HOWARD ADDITION
Legal Subdivision	THOMPSON HOWARD -ADA SD-NE 5-3-6
Legal Block	6
Legal Lot Number	3
Jurisdiction	PONTOTOC OK
Township / Civil Division	ADA
Census Block Group	2
Census Block	2005
Census Tract	89300

Owner

905 Charles Dr is owned and occupied by two individuals who bought it in January 2017.

Source: Pontotoc County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	905 CHARLES DR, ADA, OK 74820-8071
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
Sep 8, 2025	Deed of Trust, Mortgage · Construction Mortgage FIRST UNITED BANK & TRUST CO
Mar 10, 2020	Warranty Deed, Transfer · Commercial Mortgage CITIZENS BANK OF ADA
Jan 4, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SOUTHWEST MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2017 · Amount on File
Deed Sale	Jan 4, 2017 · Amount on File
Prior Sale	Jul 16, 1991 · Amount on File
Deed Document Number	201750
Deed Book / Page	3087 / 128
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC OK
Property Address	905 CHARLES DR, ADA, OK 74820-8071
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 CHARLES DR, ADA, OK 74820-8071

Mortgage

Document Number	003929/204
Date	Sep 8, 2025
Book Page	3929/204
Instrument	I-2025-005214

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	ADA, OK 74820

Agreement

Type	Construction Mortgage
Amount	Amount on Record

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Mar 10, 2020
Property Address	905 CHARLES DR, ADA, OK 74820-8071
Document Number	003378/216
Book / Page	3378 / 216
Map Reference	MB 1 PG 196
Instrument Date	Mar 10, 2020
Instrument	2020-001283
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	905 CHARLES DR, ADA, OK 74820-8071

Mortgage

Document Number	2020001284
Date	Mar 10, 2020
Instrument	2020-001284

Lender

Name	CITIZENS BANK OF ADA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	84 Months
Due	Mar 10, 2027

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jan 4, 2017
Property Address	905 CHARLES DR, ADA, OK 74820-8071
Document Number	003087/128
Book / Page	3087 / 128
Instrument Date	Jan 3, 2017
Instrument	2017-000050
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	905 CHARLES DR, ADA, OK 74820-8071

Mortgage

Document Number	2017000051
Date	Jan 4, 2017
Instrument	2017-000051

Lender

Name	AMERICAN SOUTHWEST MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 905 Charles Dr was $1,277, up 1.3% 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		$12,873 (+4.99%) Land $2,315 Building $10,558	$107,281 (-33.6%) Land $19,294 Building $87,987
2025	$1,277.00 (+1.35%)	$12,261 (+5%) Land $2,205 Building $10,056	$161,574 (+62.96%) Land $20,000 Building $141,574
2024	$1,260.00 (+9.85%)	$11,677 (+5%) Land $2,100 Building $9,577	$99,148 (+6.98%) Land $17,500 Building $81,648
2023	$1,147.00	$11,121 Land $2,100 Building $9,021	$92,675 Land $17,500 Building $75,175

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 905 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 905 Charles Dr is low, with a 0.01% 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	0.01% 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 110 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