28 Cumberlin Rd, Enid, OK 73703 Property Records

Garfield County property record for 28 Cumberlin Rd, Enid, OK 73703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,481 sqft · built 2008
Lot Size	0.981 acres (42,775 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Sep 2019)
Tax Bill	$5,441 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29698`

Property Details

APN / Parcel Number

Primary APN	`29698`
Alternative APN	`9125-00-003-008-0-031-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,481 sqft Living Area
1st Floor Area	2,481 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	42,775 sqft (0.981 acres)
Lot Dimensions	295 ft deep x 145 ft wide
Garage Type	Mixed
Garage Area	1,634 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	63 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	29698
Street Address	28 CUMBERLIN RD
City	ENID
State	OK
Zip	73703-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 3 SD-R42 NORTHWOOD 2ND ADDN SE/4 9-23-7 ALSO 28 CHISHOLM LN
Legal Range	07W
Legal Township	23N
Legal Section	09
Legal Subdivision	NORTHWOOD 2ND ADDN
Legal Block	3
Legal Lot Number	8
Jurisdiction	GARFIELD OK
Township / Civil Division	NORTH GARFIELD
Census Block Group	2
Census Block	2073
Census Tract	1100

Owner

Source: Garfield County records · APN 29698

Assessment roll updated October 1, 2025 · Last verified March 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 File
Co-owner	Verified Secondary Owner
Mailing Address	28 CUMBERLIN RD, ENID, OK 73703-2114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2018	Deed of Trust, Mortgage · Line of Credit THE SECURITY NATIONAL BANK OF ENID
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Aug 01, 2017	Warranty Deed, Transfer · Conventional Mortgage INTERBANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Aug 01, 2017 · Amount on Record
Deed Document Number	0024511092
Deed Book / Page	2451 / 1092
Record Updated	Jun 08, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARFIELD OK
Property Address	28 CUMBERLIN RD, ENID, OK 73703-2114
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02397/0278
Date	Aug 22, 2018
Book Page	2397/0278

Lender

Name	THE SECURITY NATIONAL BANK OF ENID
Type	Bank
Address	ENID, OK 73701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARFIELD OK
Recording Date	Sep 30, 2019
Property Address	28 CUMBERLIN RD, ENID, OK 73703-2114
Document Number	02451/1092
Book / Page	2451 / 1092
Instrument Date	Sep 30, 2019
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$598.50
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	28 CUMBERLIN RD, ENID, OK 73703-2114

Mortgage

Document Number	0024511094
Date	Sep 30, 2019
Instrument	2451/1094

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARFIELD OK
Recording Date	Aug 01, 2017
Property Address	28 CUMBERLIN RD, ENID, OK 73703-2114
Document Number	02349/0098
Book / Page	2349 / 0098
Instrument Date	Jul 01, 2017
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
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

Mortgage

Document Number	0023490099
Date	Aug 01, 2017
Instrument	2349/0099

Lender

Name	INTERBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Garfield County records · Assessment roll updated October 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Garfield County
Unified School District	Chisholm Public Schools (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,441.00 (+7.4%)	$50,370 (+3.49%) Land $4,000 Building $46,370	$402,960 (-) Land $32,000 Building $370,960
2023	$5,066.00	$48,673 Land $4,000 Building $44,673	$402,960 Land $32,000 Building $370,960

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 7, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 66% of the US · lower than 92% of Oklahoma
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Cable	940 / 35
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Chisholm Broadband Fixed Wireless	100 / 40

Based on FCC filings for 81 locations within half a mile of this property.

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