21900 SE 89th St, Mcloud, OK 74851 Property Records

Cleveland County property record for 21900 SE 89th St, Mcloud, OK 74851

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,314 sqft · built 2013
Lot Size	10.2 acres (444,748 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Nov 2012)
Tax Bill	$2,740 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`JC1 10 1E 1040`

Property Details

APN / Parcel Number

Primary APN	`JC1 10 1E 1040`
Alternative APN	`166145`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,314 sqft Living Area
1st Floor Area	2,314 sqft
Storm Shelter	Storm Shelter
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	444,748 sqft (10.2 acres)
Garage Type	Attached
Garage Area	807 sqft
Porch	Porch
Porch Area	421 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	166145
Street Address	21900 SE 89TH ST
City	MCLOUD
State	OK
Zip	74851-8651
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	1-10-1E 10.21AC PRT GOVT LT 1( NE/4) BEG 328.93`W NE/C NE/4 S663.51` W328.93` N663.51` E329.01` POB & BEG 657.94`W 663.51`S N
Legal Range	01E
Legal Township	10N
Legal Section	01
Legal Lot Number	1
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORTH CLEVELAND
Census Block Group	4
Census Block	4000
Census Tract	202302

Owner

21900 SE 89th St, a rural home, is owned and occupied by two individuals who bought it in November 2012.

Source: Cleveland County records, as of February 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21900 SE 89TH ST, MCLOUD, OK 74851-8651
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2012 · Amount on File
Deed Sale	Nov 8, 2012 · Amount on File
Deed Document Number	R 2012 44066
Deed Book / Page	5079 / 0215
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	21900 SE 89TH ST, MCLOUD, OK 74851-8651
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R202108550
Date	Mar 5, 2021
Book Page	6201/875
Instrument	R 2021 08550

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	21900 SE 89TH ST, MCLOUD, OK 74851-8651
Document Number	0000037902
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21900 SE 89TH ST MCLOUD OK 748518651, MCLOUD, OK 74851-8651

Mortgage

Document Number	0000037902
Date	Nov 25, 2019
Book Page	005994/000979
Instrument	37902

Lender

Name	BANCFIRST
Type	Bank
Address	MCLOUD, OK 74851

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 24, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21900 SE 89th St was $2,740 with a homeowner's exemption.

Source: Cleveland County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Oklahoma
County	Cleveland County
Municipality	Oklahoma City
Unified School District	McLoud Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,740.00 Homeowner's exemption	$31,011 Land $871 Building $30,140	$363,987 Land $10,233 Building $353,754
2023	$2,574.00 Homeowner's exemption	$29,231 Land $1,192 Building $28,039	$243,592 Land $9,940 Building $233,652

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21900 SE 89th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.

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 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2015 · 3 claims

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

Wildfire risk around 21900 SE 89th St is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 44% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Dobson Fiber Fiber	1,000 / 1,000
OEC Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Atlink Services.

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