29 Whispering Oaks Dr, Mcloud, OK 74851 Property Records

Pottawatomie County property record for 29 Whispering Oaks Dr, Mcloud, OK 74851

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,400 sqft · built 2022
Owner	2 Individual Names on File
Tax Bill	$3,277 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2022 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31052`

Property Details

APN / Parcel Number

Primary APN	`31052`
Alternative APNs	`4785-00-001-045-0-000-00` `478500104500000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,400 sqft Living Area
1st Floor Area	1,216 sqft
Storm Shelter	Storm Shelter

Exterior

Year Built	Built 2022
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Metal
Garage Type	Detached
Garage Area	576 sqft
Porch	Covered Porch
Deck Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31052
Old Parcel Number	478500104500000000
Street Address	29 WHISPERING OAKS DR
City	MCLOUD
State	OK
Zip	74851-8134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSTIC OAKS ESTATES II LOT 45
Legal Range	02E
Legal Township	11N
Legal Section	26
Legal Quarter	NW
Legal Subdivision	RUSTIC OAKS ESTATES #2
Legal Block	1
Legal Lot Number	45
Jurisdiction	POTTAWATOMIE OK
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2055
Census Tract	501005

Owner

29 Whispering Oaks Dr is owned and occupied by two individuals who acquired it in October 2022.

Source: Pottawatomie County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134
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 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CLEARING CORPORATION
Sep 23, 2022	Deed of Trust, Mortgage · Construction Mortgage BANCFIRST
Dec 9, 2021	Deed of Trust, Mortgage · Construction Mortgage BANCFIRST
May 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022
Deed Sale	Oct 14, 2022
Prior Sale	Jan 10, 2014
Prior Transfer Date	Feb 18, 2014
Prior Transfer Doc	201400001935
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATOMIE OK
Property Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134

Mortgage

Document Number	I2026002583
Date	Mar 2, 2026
Instrument	I-2026-002583

Lender

Name	MORTGAGE CLEARING CORPORATION
Type	Mortgage Company
Address	TULSA, OK 74105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2041

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATOMIE OK
Property Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134

Mortgage

Document Number	0000012551
Date	Sep 23, 2022
Instrument	202200012551

Lender

Name	BANCFIRST
Type	Bank
Address	MCLOUD, OK 74851

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	7 Months
Due	Apr 15, 2023

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATOMIE OK
Property Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134

Mortgage

Document Number	0000016935
Date	Dec 9, 2021
Instrument	202100016935

Lender

Name	BANCFIRST
Type	Bank
Address	MCLOUD, OK 74851

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 15, 2022

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATOMIE OK
Property Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134
Transaction Type	Mortgage
Record Updated	Nov 28, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134

Mortgage

Document Number	0000005167
Date	May 3, 2023
Instrument	202300005167

Lender

Name	BANCFIRST
Type	Bank
Address	OKLAHOMA CITY, OK 73102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POTTAWATOMIE OK
Property Address	29 WHISPERING OAKS DR, MCLOUD, OK 74851-8134
Document Number	0000003613
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	29 WHISPERING OAKS DR MCLOUD OK 748518134, MCLOUD, OK 74851-8134

Mortgage

Document Number	0000003613
Date	Apr 3, 2020
Instrument	3613

Lender

Name	BANCFIRST
Type	Bank
Address	MCLOUD, OK 74851

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 2, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 29 Whispering Oaks Dr was $3,277 with a homeowner's exemption, up 0.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	Pottawatomie County
Unified School District	Dale Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,277.00 (+0.8%) Homeowner's exemption	$37,010 (+1.53%) Land $1,440 Building $35,570	$308,417 (-2%) Land $12,000 Building $296,417
2024	$3,251.00 (+14,034.78%) Homeowner's exemption	$36,454 (+2,820.99%) Land $1,429 Building $35,025	$314,708 (+2,926.04%) Land $12,000 Building $302,708
2023	$23.00 Homeowner's exemption	$1,248 Land $1,140 Building $108	$10,400 Land $9,500 Building $900

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

Flood

FEMA maps place 29 Whispering Oaks Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 26, 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
Nearby Flood Policies	6 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

Wildfire risk around 29 Whispering Oaks Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 75% of Oklahoma
Wildfire Likelihood	0.2% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Atlink Services Fixed Wireless	100 / 20
Dobson Fiber DSL · not low latency	10 / 1

May also be available: AT&T.

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