Cleveland County property record for 1309 Keystone Ln, Norman, OK 73071
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,116 sqft · built 1968 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jul 2024) |
| Tax Bill | $2,409 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jul 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0037215 |
| Primary APN | R0037215 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,116 sqft Living Area |
| Gross Area | 1,404 sqft |
| 1st Floor Area | 1,116 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| View / Lot | Business Cluster |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Porch | Porch |
| Porch Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 37215 |
|---|---|
| Street Address | 1309 KEYSTONE LN |
| City | NORMAN |
| State | OK |
| Zip | 73071-3632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKECREST ESTATES LOT 20 BLK 5 |
| Legal Range | 02W |
| Legal Township | 09 |
| Legal Section | 21 |
| Legal Subdivision | LAKECREST |
| Legal Block | 5 |
| Legal Lot Number | 20 |
| Jurisdiction | CLEVELAND OK |
| Township / Civil Division | NORMAN |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 200800 |
1309 Keystone Ln is owned and occupied by two individuals who bought it in July 2024.
Source: Cleveland County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1309 KEYSTONE LN, NORMAN, OK 73071-3632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE BANK |
| Jul 12, 2024 | Warranty Deed, Transfer · FHA Mortgage MLD MORTGAGE |
| Apr 22, 2022 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2024 · Amount on File |
| Deed Sale | Jul 12, 2024 · Amount on File |
| Prior Sale | Apr 22, 2022 · Amount on File |
| Deed Document Number | 202418482 |
| Deed Book / Page | 6688 / 367 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 1309 KEYSTONE LN, NORMAN, OK 73071-3632 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | OKLAHOMA CITY ABSTRACT AND TITLE, OKLAHOMA CITY ABSTRACT & TTL |
| Name | Verified Name |
|---|---|
| Address | 304 STONEY POINT RD, AUSTIN, TX 78737-4639 |
| Document Number | 0R20233031 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 6517/1434 |
| Instrument | R 2023 3031 |
| Name | AMERICAN MORTGAGE BANK |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Recording Date | Jul 12, 2024 |
| Property Address | 1309 KEYSTONE LN, NORMAN, OK 73071-3632 |
| Document Number | R202418482 |
| Book / Page | 6688 / 367 |
| Instrument Date | Jun 27, 2024 |
| Instrument | R 2024 18482 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Title Company | ELEMENT TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1309 KEYSTONE LN, NORMAN, OK 73071-3632 |
| Document Number | R202418483 |
|---|---|
| Date | Jul 12, 2024 |
| Instrument | R 2024 18483 |
| Name | MLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Number | R202418484 |
|---|---|
| Date | Jul 12, 2024 |
| Book Page | 6688/383 |
| Instrument | R 2024 18484 |
| Name | OKLAHOMA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | OKLAHOMA CITY, OK 73116 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Prepayment Penalty | 00 Months |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Recording Date | Apr 22, 2022 |
| Property Address | 1309 KEYSTONE LN, NORMAN, OK 73071-3632 |
| Document Number | R202214781 |
| Book / Page | 6415 / 246 |
| Instrument Date | Apr 22, 2022 |
| Instrument | R 2022 14781 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO |
| Amount | Amount on Record |
|---|---|
| Tax | $193.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 304 STONEY POINT RD, AUSTIN, TX 78737-4639 |
The 2025 property tax bill for 1309 Keystone Ln was $2,409 with a homeowner's exemption.
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 | $2,409.00 Homeowner's exemption | $21,077 Land $4,049 Building $17,028 | $175,649 Land $33,742 Building $141,907 |
| 2023 | $1,541.00 | $12,830 Land $3,420 Building $9,410 | $106,917 Land $28,500 Building $78,417 |
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 1309 Keystone Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.
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 | 1 in force |
| Nearby Flood Claims | 5 (1993–2017) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Aug 2017 · 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 1309 Keystone Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Oklahoma |
|---|---|
| Wildfire Likelihood | 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 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| OEC Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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