Cleveland County property record for 1020 W Apache St, Norman, OK 73069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,157 sqft · built 1945 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,500 (Jul 2002) |
| Tax Bill | $840 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NC29ELMH1 1 4001 |
| Primary APN | NC29ELMH1 1 4001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,157 sqft Living Area |
| Gross Area | 1,253 sqft |
| 1st Floor Area | 1,157 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Steel Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Business Cluster |
| Garage Area | 200 sqft |
| Porch | Enclosed Porch |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 33170 |
|---|---|
| Street Address | 1020 W APACHE ST |
| City | NORMAN |
| State | OK |
| Zip | 73069-5407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ELM HTS LOTS 4-5-6 BLK 1 |
| Legal Range | 02W |
| Legal Township | 09 |
| Legal Section | 31 |
| Legal Subdivision | ELM HEIGHTS 1 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | CLEVELAND OK |
| Township / Civil Division | NORMAN |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 200500 |
Source: Cleveland County records, as of April 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 | 1020 W APACHE ST, NORMAN, OK 73069-5407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2002 · Amount on Record |
| Deed Sale | Jul 1, 2002 · Amount on Record |
| Deed Book / Page | 3441 / 528 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Recording Date | Apr 15, 2026 |
| Property Address | 1020 W APACHE ST, NORMAN, OK 73069-5407 |
| Document Number | 0000010346 |
| Book / Page | 6949 / 524 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 202610346 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1020 W APACHE ST, NORMAN, OK 73069-5407 |
| Document Number | 0000010346, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 6949/524 |
| Instrument | 202610346 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 1020 W APACHE ST, NORMAN, OK 73069-5407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | R202148026 |
|---|---|
| Date | Nov 9, 2021 |
| Book Page | 6340/1062 |
| Instrument | R 2021 48026 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 1020 W APACHE ST, NORMAN, OK 73069-5407 |
| Document Number | 0000041257 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1020 W APACHE ST NORMAN OK 730695407, NORMAN, OK 73069-5407 |
| Document Number | 0000041257 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 006005/000145 |
| Instrument | 41257 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 25, 2039 |
Source: Cleveland County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Cleveland County |
| Municipality | Norman City |
| Unified School District | Norman Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $840.00 (+6.87%) Homeowner's exemption | $8,000 (+6.09%) Land $2,076 Building $5,924 | $189,467 (+109.02%) Land $49,170 Building $140,297 |
| 2023 | $786.00 Homeowner's exemption | $7,541 Land $1,497 Building $6,044 | $90,645 Land $18,000 Building $72,645 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of Oklahoma |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 629 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless 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 |
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