3028 Pinecrest St, Norman, OK 73071 Property Records

Cleveland County property record for 3028 Pinecrest St, Norman, OK 73071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,241 sqft · built 1997
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual on Record
Last Sale	$205,000 (Jun 2026)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0043869`

Property Details

APN / Parcel Number

Primary APN	`R0043869`
Alternative APNs	`NC29SHDLK 4 10001` `43869`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,241 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	1,241 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	423 sqft
Porch	Porch
Porch Area	116 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	43869
Street Address	3028 PINECREST ST
City	NORMAN
State	OK
Zip	73071-7148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SHADOWLAKE ADDITION LT 10 BLK 4
Legal Range	02W
Legal Township	09
Legal Section	17
Legal Subdivision	SHADOWLAKE
Legal Block	4
Legal Lot Number	10
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	5
Census Block	5004
Census Tract	201403

Owner

Source: Cleveland County assessment roll, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	3028 PINECREST ST, NORMAN, OK 73071-7148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Warranty Deed, Transfer · FHA Mortgage GATEWAY MORTGAGE CORPORATION
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 24, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Deed Document Number	202617112
Deed Book / Page	6978 / 208
Prior Transfer Date	May 1, 2019
Prior Transfer Doc	R201912680
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jun 11, 2026
Property Address	3028 PINECREST ST, NORMAN, OK 73071-7148
Document Number	0000017112
Book / Page	6978 / 208
Instrument Date	May 27, 2026
Instrument	202617112
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	LEGACY TITLE OF OKLAHOMA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$31,057.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 PINECREST ST, NORMAN, OK 73071-7148

Mortgage

Document Number	0000017113,
Date	Jun 11, 2026
Book Page	6978/211
Instrument	202617113

Lender

Name	GATEWAY MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000017114,
Date	Jun 11, 2026
Book Page	6978/234
Instrument	202617114

Lender

Name	RURAL ENTERPRISES

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jul 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3028 PINECREST ST, NORMAN, OK 73071-7148
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R202329215
Date	Oct 23, 2023
Book Page	6600/1374
Instrument	R 2023 29215

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 13, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLEVELAND OK
Recording Date	May 2, 2019
Property Address	3028 PINECREST ST, NORMAN, OK 73071-7148
Document Number	0000012680
Book / Page	005916 / 000979
Instrument Date	May 1, 2019
Instrument	12680
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 PINECREST ST NORMAN OK 730717148, NORMAN, OK 73071-7148

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND OK
Property Address	3028 PINECREST ST, NORMAN, OK 73071-7148
Document Number	0000029013
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 PINECREST ST NORMAN OK 730717148, NORMAN, OK 73071-7148

Mortgage

Document Number	0000029013
Date	Sep 10, 2018
Book Page	005843/000837
Instrument	29013

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CIT, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: Cleveland County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,832.00 (+6.39%) Homeowner's exemption	$16,271 (+6.09%) Land $3,276 Building $12,995	$175,645 (+22%) Land $35,367 Building $140,278
2023	$1,722.00 Homeowner's exemption	$15,337 Land $3,622 Building $11,715	$143,969 Land $34,000 Building $109,969

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.

Flood

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	3 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jul 2013 · other causes

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: OEC Fiber.

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