109 E Duffy St, Norman, OK 73069 Property Records

Cleveland County property record for 109 E Duffy St, Norman, OK 73069

Property Summary

Property Type	Commercial
Details	13 bd · 6 ba · 1,232 sqft · built 2017
Lot Size	0.239 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Dec 2016)
Tax Bill	$10,524 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NCT3STAU1 5 11001`

Property Details

APN / Parcel Number

Primary APN	`NCT3STAU1 5 11001`
Alternative APN	`45642`

Interior

Bedrooms	13 Beds
Full Baths	6 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
1st Floor Area	2,779 sqft
2nd Floor Area	2,651 sqft

Exterior

Year Built	Built 2017
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asbestos
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Mixed
Garage Area	598 sqft
Porch	Porch
Porch Area	496 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45642
Old Parcel Number	45642
Street Address	109 E DUFFY ST
City	NORMAN
State	OK
Zip	73069-5821
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R3
Legal Description	STATE UNIVERSITY LOT 11-13 BLK 5
Legal Range	02W
Legal Township	09N
Legal Section	32
Legal Quarter	SW
Legal Subdivision	STATE UNIVERSITY 1
Legal Block	5
Legal Lot Number	11-13 12
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	1
Census Block	1000
Census Tract	200500

Owner

Source: Cleveland County records, as of February 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4200 RUSTIC TRL, MOORE, OK 73160-5502
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2019	Deed of Trust, Mortgage LIBERTY NAT'L BK
Mar 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST BK & TR CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2016 · Amount on Record
Deed Sale	Dec 1, 2016 · Amount on Record
Prior Sale	May 29, 2015 · Amount on Record
Deed Document Number	R 2016 40233
Deed Book / Page	5621 / 1575
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	109 E DUFFY ST, NORMAN, OK 73069-5821
Document Number	0000013436
Instrument Date	Apr 26, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4104 HIDDEN LAKE CIR MOORE OK 731605428, MOORE, OK 73160-5428

Mortgage

Document Number	0000013436
Date	May 9, 2019
Book Page	005919/000001
Instrument	13436

Lender

Name	LIBERTY NAT'L BK
Type	Bank
Address	LAWTON, OK 73501

Agreement

Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	109 E DUFFY ST, NORMAN, OK 73069-5821
Document Number	0000009012
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	109-109 1/2 E DUFFY NORMAN OK 73069, NORMAN, OK 73069

Mortgage

Document Number	0000009012
Date	Mar 29, 2019
Book Page	005905/000685
Instrument	9012

Lender

Name	FIRST BK & TR CO
Address	NORMAN, OK 73070-1450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 28, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cleveland County assessment roll, as of October 1, 2025

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	$10,524.00 (+10.19%)	$87,690 (+10.25%) Land $11,562 Building $76,128	$1,137,574 (+8.33%) Land $150,000 Building $987,574
2023	$9,551.00	$79,537 Land $7,574 Building $71,963	$1,050,082 Land $100,000 Building $950,082

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 February 20, 2025

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

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

Wildfire Risk	Not rated no burnable land within 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	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 512 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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