S.H.
You have a 2002 Sport Trac. What makes you think that the factory did no fill it with refrigerant and it runs fine for 3+ years? You are in denial. If it was low on R134a when it left the factory, it would have never cooled properly and you would have noticed it immediately unless you have never used your AC, and since you live in OK City, I doubt that you have never used your AC until now.
I would be 99.9% sure that the system has a leak. It may be a minor leak, but never the less a leak. Ther real problem is to find where the leak is, then decide how much it will cost to fix it. If the leak is in the Evaporator core (in the HVAC box under the dash) I would try adding some R136 that contains compressor oil and a leak-stop agent. That may get you by until you decide to sell it. If it's a hose leaking, that's fairly cheap to fix. Leaking compressor seals usually means a rebuilt unit which is a little cheaper than a new one.
Good luck,
...Rich