Garfield County property record for 16 Cumberlin Rd, Enid, OK 73703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,230 sqft · built 2020 |
| Lot Size | 1.2 acres (52,646 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $825,000 (Aug 2023) |
| Tax Bill | $10,322 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29725 |
| Primary APN | 29725 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,230 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 52,646 sqft (1.2 acres) |
| Lot Dimensions | 270 ft deep x 195 ft wide |
| Garage Area | 1,196 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Porch | Slab |
| Patio Area | 143 sqft |
| Utility Building | 2,100 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 29725 |
|---|---|
| Street Address | 16 CUMBERLIN RD |
| City | ENID |
| State | OK |
| Zip | 73703-2114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLOCK 6 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 | 6 |
| Legal Lot Number | 6 |
| Jurisdiction | GARFIELD OK |
| Township / Civil Division | NORTH GARFIELD |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 1100 |
Source: Garfield County records, as of October 20, 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 | 16 CUMBERLIN RD, ENID, OK 73703-2114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage ANECA FCU |
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ACB BANK |
| Jun 19, 2020 | Deed of Trust, Mortgage · Commercial Mortgage ACB BANK |
| Apr 27, 2020 | Warranty Deed, Subdivision Related Transfer APEX TITLE COMPANY, APEX TITLE AND CLOSING SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2023 · Amount on Record |
| Deed Sale | Aug 1, 2023 · Amount on Record |
| Prior Sale | Apr 27, 2020 · Amount on Record |
| Deed Document Number | 20236223 |
| Deed Book / Page | 2634 / 272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARFIELD OK |
| Recording Date | Aug 1, 2023 |
| Property Address | 16 CUMBERLIN RD, ENID, OK 73703-2114 |
| Document Number | 002634/272 |
| Book / Page | 2634 / 272 |
| Instrument Date | Jul 27, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Title Company | NORTHWEST TITLE GROUP LLC, NORTHWEST TITLE OF ENID LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 16 CUMBERLIN RD, ENID, OK 73703-2114 |
| Document Number | 0002634274 |
|---|---|
| Date | Aug 1, 2023 |
| Instrument | 2634/274 |
| Name | ANECA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARFIELD OK |
| Property Address | 16 CUMBERLIN RD, ENID, OK 73703-2114 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002515/910 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 2515/910 |
| Name | ACB BANK |
|---|---|
| Type | Bank |
| Address | CHEROKEE, OK 73728 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARFIELD OK |
| Property Address | 16 CUMBERLIN RD, ENID, OK 73703-2114 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002487/303 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 2487/303 |
| Name | ACB BANK |
|---|---|
| Type | Bank |
| Address | CHEROKEE, OK 73728 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GARFIELD OK |
| Recording Date | Apr 27, 2020 |
| Property Address | 16 CUMBERLIN RD, ENID, OK 73703-2114 |
| Document Number | 002479/659 |
| Book / Page | 2479 / 659 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | APEX TITLE COMPANY, APEX TITLE AND CLOSING SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $45.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
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 | $95,885 (-0.69%) Land $4,000 Building $91,885 | $767,081 (-0.69%) Land $32,000 Building $735,081 | |
| 2025 | $10,322.00 (+50.55%) Homeowner's exemption | $96,556 (+46.58%) Land $4,000 Building $92,556 | $772,445 (+27.72%) Land $32,000 Building $740,445 |
| 2023 | $6,856.00 (+8.72%) | $65,872 (+14.16%) Land $4,000 Building $61,872 | $604,795 (+8.75%) Land $32,000 Building $572,795 |
| 2022 | $6,306.00 | $57,703 Land $4,000 Building $53,703 | $556,120 Land $32,000 Building $524,120 |
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.
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.
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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