1409 Monterey Dr, Norman, OK 73072 Property Records

Cleveland County property record for 1409 Monterey Dr, Norman, OK 73072

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2021
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on Record
Last Sale	$320,500 (Oct 2021)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2020 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`NC29MNT2A 3 1001`

Property Details

APN / Parcel Number

Primary APN	`NC29MNT2A 3 1001`
Alternative APN	`174657`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story

Exterior

Year Built	Built 2021
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	174657
Street Address	1409 MONTEREY DR
City	NORMAN
State	OK
Zip	73072-2046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTEREY II AMENDED LT 1 BLK 3
Legal Range	02W
Legal Township	08N
Legal Section	16
Legal Subdivision	MONTEREY II AMENDED
Legal Block	3
Legal Lot Number	1
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	2
Census Block	2002
Census Tract	201205

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 18, 2020	Deed of Trust, Construction Loan · Construction Mortgage ARMSTRONG BK
Jun 27, 2019	Loan Modification, Mortgage · Conventional Mortgage REPUBLIC BK&TR
Jul 2, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE
Jul 2, 2018	Trustee's Deed, Construction Loan · Construction Mortgage REPUBLIC BK&TR
Aug 3, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	R 2021 44131
Deed Book / Page	6327 / 98
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Oct 13, 2021
Property Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	R202144131
Book / Page	6327 / 98
Instrument Date	Oct 8, 2021
Instrument	R 2021 44131
Transaction Type	Transfer
Record Updated	Jan 20, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$480.75
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	1409 MONTEREY DR, NORMAN, OK 73072-2046

Mortgage

Document Number	R202144132
Date	Oct 13, 2021
Instrument	R 2021 44132

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Recording Date	Sep 18, 2020
Property Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	0000033741
Book / Page	006119 / 000639
Instrument Date	Sep 15, 2020
Instrument	33741
Transaction Type	Construction Loan
Record Updated	Oct 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1723 W BRITTON RD OKLAHOMA CITY OK 731201348, OKLAHOMA CITY, OK 73120-1348
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033741
Date	Sep 18, 2020
Book Page	006119/000639
Instrument	33741

Lender

Name	ARMSTRONG BK
Type	Bank
Address	NORMAN, OK 73069

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Sep 17, 2022

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND OK
Property Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	0000023664
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 MONTEREY DR NORMAN OK 73072, NORMAN, OK 73072

Mortgage

Document Number	0000023664
Date	Jul 31, 2019
Book Page	005949/001205
Instrument	23664

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	NORMAN, OK 73070

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 30, 2020

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jul 2, 2018
Property Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	0000020445
Book / Page	005817 / 000927
Instrument Date	Jun 27, 2018
Instrument	20445
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$67.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1723 W BRITTON RD OKLAHOMA CITY OK 731201348, OKLAHOMA CITY, OK 73120-1348
Investor	Possibly a Property Investor

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jul 2, 2018
Property Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Book / Page	005817 / 000929
Instrument Date	Jun 27, 2018
Instrument	20446
Transaction Type	Construction Loan
Record Updated	Jul 17, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 MONTEREY DR NORMAN OK 73072, NORMAN, OK 73072

Mortgage

Document Number	0000020446
Date	Jul 2, 2018
Book Page	005817/000929
Instrument	20446

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	NORMAN, OK 73070

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2019

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Aug 3, 2017
Property Address	1409 MONTEREY DR, NORMAN, OK 73072-2046
Document Number	0000025561
Book / Page	005705 / 000759
Instrument Date	Aug 1, 2017
Instrument	25561
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$74.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 MONTEREY DR NORMAN OK 73072, NORMAN, OK 73072

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	Homeowner's exemption	$39,723 (+6.09%) Land $6,139 Building $33,584	$353,643 (+4.23%) Land $54,655 Building $298,988
2023	Homeowner's exemption	$37,443 Land $6,031 Building $31,412	$339,283 Land $54,655 Building $284,628

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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