1405 Monterey Dr, Norman, OK 73072 Property Records

Cleveland County property record for 1405 Monterey Dr, Norman, OK 73072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · built 2021
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Sep 2026)
Tax Bill	$5,362 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NC29MNT2A 3 2001`

Property Details

APN / Parcel Number

Primary APN	`NC29MNT2A 3 2001`
Alternative APNs	`R0174658` `174658`

Interior

Bedrooms	4 Beds
Full Baths	2.5 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	Frame/Masonry/Veneer
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,843 sqft (0.203 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	174658
Street Address	1405 MONTEREY DR
City	NORMAN
State	OK
Zip	73072-2046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTEREY II AMENDED LT 2 BLK 3
Legal Range	02W
Legal Township	08
Legal Section	16
Legal Subdivision	MONTEREY II AMENDED
Legal Block	3
Legal Lot Number	2
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	2
Census Block	2002
Census Tract	201205

Owner

Source: Cleveland County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1405 MONTEREY DR, NORMAN, OK 73072-2046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 8, 2022	Warranty Deed, Subdivision Related Transfer LINCOLN PARK TITLE, LINCOLN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Prior Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	202628435
Deed Book / Page	7025 / 45
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Sep 21, 2026
Property Address	1405 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	0000028435
Book / Page	7025 / 45
Instrument Date	Sep 17, 2026
Instrument	202628435
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	TITAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,055.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 MONTEREY DR, NORMAN, OK 73072-2046

Mortgage

Document Number	0000028436,
Date	Sep 21, 2026
Instrument	202628436

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jun 2, 2023
Property Address	1405 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	R202314376
Book / Page	6554 / 725
Instrument Date	Jun 1, 2023
Instrument	R 2023 14376
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	TITAN TITLE AND CLOSING LLC, TITAN TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$557.25
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 with Right of Survivorship
Address	1405 MONTEREY DR, NORMAN, OK 73072-2046

Mortgage

Document Number	R202314377
Date	Jun 2, 2023
Instrument	R 2023 14377

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

April 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Apr 8, 2022
Property Address	1405 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	R202212882
Book / Page	6408 / 993
Instrument Date	Apr 7, 2022
Instrument	R 2022 12882
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2024
Title Company	LINCOLN PARK TITLE, LINCOLN TITLE

Transaction

Amount	Amount Recorded
Tax	$534.00
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 with Right of Survivorship
Address	1405 MONTEREY DR, NORMAN, OK 73072-2046

Tax Assessment & Valuation

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	$5,362.00 (+2.37%) Homeowner's exemption	$45,679 (+4.73%) Land $6,514 Building $39,165	$383,247 (+5.44%) Land $54,656 Building $328,591
2023	$5,238.00	$43,618 Land $6,558 Building $37,060	$363,490 Land $54,656 Building $308,834

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 · 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

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

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

Wildfire Risk	Moderate above 61% of the US · lower than 77% of Oklahoma
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
OEC Fiber Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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