3104 Epora Dr, Norman, OK 73071 Property Records

Cleveland County property record for 3104 Epora Dr, Norman, OK 73071

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,724 sqft · built 2019
Lot Size	0.892 acres (38,856 sqft)
Owner	2 Individual Names on File
Last Sale	$96,000 (Apr 2019)
Tax Bill	$11,063 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NC29MTRD2 2 1001`

Property Details

APN / Parcel Number

Primary APN	`NC29MTRD2 2 1001`
Alternative APN	`186823`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,724 sqft
1st Floor Area	3,138 sqft
2nd Floor Area	586 sqft
Storm Shelter	Storm Shelter
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	38,856 sqft (0.892 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	186823
Street Address	3104 EPORA DR
City	NORMAN
State	OK
Zip	73071-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTORO RIDGE 2 LOT 1 BLK 2
Legal Range	02W
Legal Township	09N
Legal Section	17
Legal Subdivision	MONTORO RIDGE 2
Legal Block	2
Legal Lot Number	1
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	5
Census Block	5000
Census Tract	201403

Owner

3104 Epora Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 LONE OAK DR, NORMAN, OK 73071-2167
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
Jan 11, 2021	Deed of Trust, Mortgage ARVEST MTG
Nov 27, 2019	Deed of Trust, Mortgage FIRST LIBERTY BK
Apr 18, 2019	Warranty Deed, Construction Loan · Construction Mortgage FIRST ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Deed Document Number	R 2019 11044
Deed Book / Page	5911 / 0776
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3104 EPORA DR, NORMAN, OK 73071-1401
Document Number	0000003212
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	CLEVELAND COUNTY ABSTRACT COMPANY, CLEVELAND CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3104 EPORA DR NORMAN OK 730711401, NORMAN, OK 73071-1401

Mortgage

Document Number	0000003212
Date	Jan 26, 2021
Book Page	006182/000868
Instrument	3212

Lender

Name	ARVEST MTG
Type	Mortgage Company
Address	LOWELL, AR 72745

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3104 EPORA DR, NORMAN, OK 73071-1401
Document Number	0000038806
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3104 EPORA DR NORMAN OK 730711401, NORMAN, OK 73071-1401

Mortgage

Document Number	0000038806
Date	Dec 4, 2019
Book Page	005997/001205
Instrument	38806

Lender

Name	FIRST LIBERTY BK
Type	Bank
Address	OKLAHOMA CITY, OK 73120

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

April 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Apr 18, 2019
Property Address	3104 EPORA DR, NORMAN, OK 73071-1401
Document Number	0000011044
Book / Page	005911 / 000776
Instrument Date	Apr 16, 2019
Instrument	11044
Transaction Type	Construction Loan
Record Updated	Mar 13, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$144.00
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	3104 EPORA DR NORMAN OK 730711401, NORMAN, OK 73071-1401

Mortgage

Document Number	11045
Date	Apr 18, 2019
Book Page	005911/000778
Instrument	11045

Lender

Name	FIRST ST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73112

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 17, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 3104 Epora Dr was $11,063 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	Norman City
Unified School District	Norman Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,063.00 Homeowner's exemption	$93,186 Land $10,473 Building $82,713	$834,957 Land $93,840 Building $741,117
2023	$10,347.00	$86,164 Land $10,932 Building $75,232	$739,596 Land $93,840 Building $645,756

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

Flood

FEMA maps place 3104 Epora Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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

Wildfire risk around 3104 Epora Dr is low, with a 0.03% annual chance of 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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