1004 Villaverde Cir, Norman, OK 73071 Property Records

Cleveland County property record for 1004 Villaverde Cir, Norman, OK 73071

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · built 2021
Lot Size	0.588 acres (25,613 sqft)
Owner	2 Individual Names on File
Last Sale	$91,000 (Feb 2021)
Tax Bill	$8,225 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R0186813`

Property Details

APN / Parcel Number

Primary APN	`R0186813`
Alternative APNs	`NC29MTRD2 1 17001` `186813`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Combination
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	25,613 sqft (0.588 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	186813
Street Address	1004 VILLAVERDE CIR
City	NORMAN
State	OK
Zip	73071-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTORO RIDGE 2 LOT 17 BLK 1
Legal Range	02W
Legal Township	09
Legal Section	17
Legal Subdivision	MONTORO RIDGE 2
Legal Block	1
Legal Lot Number	17
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	5
Census Block	5000
Census Tract	201403

Owner

1004 Villaverde Cir is owned and occupied by two individuals who bought it in February 2021.

Source: Cleveland County records, as of June 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1004 VILLAVERDE CIR, NORMAN, OK 73071-5105
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
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO
Feb 23, 2021	Warranty Deed, Construction Loan · Construction Mortgage THE FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2021 · Amount on File
Deed Sale	Feb 23, 2021 · Amount on File
Deed Document Number	20216867
Deed Book / Page	6194 / 1471
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	1004 VILLAVERDE CIR, NORMAN, OK 73071-5105
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	CHICAGO TITLE OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R202146684
Date	Nov 1, 2021
Book Page	6336/435
Instrument	R 2021 46684

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank
Address	OKLAHOMA CITY, OK 73112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

February 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Feb 23, 2021
Property Address	1004 VILLAVERDE CIR, NORMAN, OK 73071-5105
Document Number	R202106867
Book / Page	6194 / 1471
Instrument Date	Feb 8, 2021
Instrument	R 2021 06867
Transaction Type	Construction Loan
Record Updated	Jan 20, 2023
Title Company	CLEVELAND COUNTY ABSTRACT COMPANY, CLEVELAND CNTY ABSTRACT & TT

Transaction

Amount	Amount on Record
Tax	$136.50
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	1004 VILLEVERDE CIRCLE, TUTTLE, OK 73089

Mortgage

Document Number	R202106868
Date	Feb 23, 2021
Instrument	R 2021 06868

Lender

Name	THE FIRST STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1004 Villaverde Cir was $8,225.

Source: Cleveland County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,225.00	$68,545 Land $9,607 Building $58,938	$643,270 Land $90,160 Building $553,110
2023	$7,465.00	$62,173 Land $10,819 Building $51,354	$518,110 Land $90,160 Building $427,950

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1004 Villaverde Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective February 20, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jul 2013 · other causes

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

Wildfire risk around 1004 Villaverde Cir is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 85% of Oklahoma
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	NORMAN UTILITIES AUTHORITY serves 104,868 people · EPA ID OK1020801
Water Source	Surface water
Last State Inspection	Sep 2022
Lead	Under 1 ppb (2026) 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	1 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: OEC Fiber.

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