Garfield County property record for 13 Cumberlin Rd, Enid, OK 73703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,309 sqft · built 2013 |
| Lot Size | 1.57 acres (68,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $523,000 (Aug 2017) |
| Tax Bill | $6,347 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29708 |
| Primary APN | 29708 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,309 sqft Living Area |
| 1st Floor Area | 2,873 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 68,530 sqft (1.57 acres) |
| Garage Type | Attached |
| Garage Area | 945 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 507 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 29708 |
|---|---|
| Street Address | 13 CUMBERLIN RD |
| City | ENID |
| State | OK |
| Zip | 73703-2114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 4 SD-R42 NORTHWOOD 2ND ADDN SE/4 9-23-7 |
| Legal Range | 07W |
| Legal Township | 23N |
| Legal Section | 09 |
| Legal Subdivision | NORTHWOOD 2ND ADDN |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | GARFIELD OK |
| Township / Civil Division | NORTH GARFIELD |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 1100 |
13 Cumberlin Rd is owned and occupied by two individuals who bought it in August 2017.
Source: Garfield County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 CUMBERLIN RD, ENID, OK 73703-2114 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Line of Credit THE SECURITY NATIONAL BANK OF ENID |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE SECURITY NATIONAL BANK OF ENID |
| Aug 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage ACB BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2017 · Amount on File |
| Deed Sale | Aug 3, 2017 · Amount on File |
| Prior Sale | Aug 11, 2016 · Amount on File |
| Deed Book / Page | 2349 / 751 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARFIELD OK |
| Property Address | 13 CUMBERLIN RD, ENID, OK 73703-2114 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2555/1271 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 2555/1271 |
| Name | THE SECURITY NATIONAL BANK OF ENID |
|---|---|
| Type | Bank |
| Address | ENID, OK 73701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARFIELD OK |
| Property Address | 13 CUMBERLIN RD, ENID, OK 73703-2114 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2539/434 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 2539/434 |
| Name | THE SECURITY NATIONAL BANK OF ENID |
|---|---|
| Type | Bank |
| Address | ENID, OK 73701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARFIELD OK |
| Recording Date | Aug 3, 2017 |
| Property Address | 13 CUMBERLIN RD, ENID, OK 73703-2114 |
| Document Number | 02349/0751 |
| Book / Page | 2349 / 0751 |
| Instrument Date | Jul 25, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $784.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13 CUMBERLIN RD, ENID, OK 73703-2114 |
| Investor | Possibly a Property Investor |
| Document Number | 0023490752 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 2349/0752 |
| Name | ACB BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 13 Cumberlin Rd was $6,347 with a homeowner's exemption.
Source: Garfield County assessment roll, as of March 10, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Garfield County |
| Unified School District | Chisholm Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,300 (+2.58%) Land $4,000 Building $57,300 | $490,400 (-) Land $32,000 Building $458,400 | |
| 2025 | $6,347.00 Homeowner's exemption | $59,756 Land $4,000 Building $55,756 | $490,400 Land $32,000 Building $458,400 |
| 2023 | $5,758.00 Homeowner's exemption | $56,326 Land $4,000 Building $52,326 | $490,400 Land $32,000 Building $458,400 |
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.
FEMA maps place 13 Cumberlin Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.
Source: FEMA National Flood Hazard Layer, effective June 7, 2019 · 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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1986–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2020 · rainfall accumulation |
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 risk around 13 Cumberlin Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Chisholm Broadband Fixed Wireless | 100 / 40 |
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