Cleveland County property record for 2109 Whiteoak Cir, Norman, OK 73071
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,323 sqft · built 1978 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,000 (Dec 2021) |
| Tax Bill | $2,392 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0040488 |
| Primary APN | R0040488 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,323 sqft Living Area |
| Gross Area | 1,829 sqft |
| 1st Floor Area | 1,323 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| 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 | 506 sqft |
| Porch | Porch |
| Porch Area | 168 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 40488 |
|---|---|
| Street Address | 2109 WHITEOAK CIR |
| City | NORMAN |
| State | OK |
| Zip | 73071-1034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | OAKHURST 10 LOT 3 BLK 30 |
| Legal Range | 02W |
| Legal Township | 08 |
| Legal Section | 04 |
| Legal Subdivision | OAKHURST 10 |
| Legal Block | 30 |
| Legal Lot Number | 3 |
| Jurisdiction | CLEVELAND OK |
| Township / Civil Division | NORMAN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 201303 |
2109 Whiteoak Cir is owned and occupied by an individual who bought it in December 2021.
Source: Cleveland County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2109 WHITEOAK CIR, NORMAN, OK 73071-1034 |
| 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 |
|---|---|
| Dec 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK |
| May 20, 2020 | Grant Deed, Transfer · Conventional with PMI BANK OF OK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2021 · Amount on File |
| Deed Sale | Dec 20, 2021 · Amount on File |
| Prior Sale | May 20, 2020 · Amount on File |
| Deed Document Number | 202153466 |
| Deed Book / Page | 6359 / 188 |
| Prior Transfer Date | May 18, 2020 |
| Prior Transfer Doc | R202015360 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Recording Date | Dec 20, 2021 |
| Property Address | 2109 WHITEOAK CIR, NORMAN, OK 73071-1034 |
| Document Number | R202153466 |
| Book / Page | 6359 / 188 |
| Instrument Date | Dec 17, 2021 |
| Instrument | R 2021 53466 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $252.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2109 WHITEOAK CIR, NORMAN, OK 73071-1034 |
| Document Number | R202153467 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | R 2021 53467 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Recording Date | May 20, 2020 |
| Property Address | 2109 WHITEOAK CIR, NORMAN, OK 73071-1034 |
| Document Number | 0000015360 |
| Book / Page | 006058 / 000657 |
| Instrument Date | May 18, 2020 |
| Instrument | 15360 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2020 |
| Title Company | CHICAGO TITLE OK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2109 WHITEOAK CIR NORMAN OK 730711034, NORMAN, OK 73071-1034 |
| Document Number | 15361 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 006058/000658 |
| Instrument | 15361 |
| Name | BANK OF OK |
|---|---|
| Type | Bank |
| Address | TULSA, OK 74153 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 19, 2050 |
The 2025 property tax bill for 2109 Whiteoak Cir was $2,392 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 | $2,392.00 Homeowner's exemption | $20,927 Land $4,130 Building $16,797 | $183,612 Land $36,242 Building $147,370 |
| 2023 | $2,249.00 Homeowner's exemption | $19,726 Land $4,080 Building $15,646 | $166,597 Land $34,461 Building $132,136 |
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 2109 Whiteoak Cir in Zone X, an area of minimal flood risk.
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 risk around 2109 Whiteoak Cir 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 96% of the US · lower than 97% 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 395 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 | 100 / 20 |
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