3403 Willow Rock Rd, Norman, OK 73072 Property Records

Cleveland County property record for 3403 Willow Rock Rd, Norman, OK 73072

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,201 sqft · built 1975
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jan 2022)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`NC29CRWE1 3 10001`

Property Details

APN / Parcel Number

Primary APN	`NC29CRWE1 3 10001`
Alternative APN	`31280`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,201 sqft Living Area
1st Floor Area	2,201 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Porch	Porch
Porch Area	220 sqft
Deck Area	Deck Area
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31280
Old Parcel Number	31280
Street Address	3403 WILLOW ROCK RD
City	NORMAN
State	OK
Zip	73072-3343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CROSSROADS WEST 1 LOT 10 BLK 3
Legal Range	03W
Legal Township	09N
Legal Section	23
Legal Quarter	SW
Legal Subdivision	CROSSROADS WEST 1
Legal Block	3
Legal Lot Number	10
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	4
Census Block	4012
Census Tract	201505

Owner

3403 Willow Rock Rd is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3403 WILLOW ROCK RD, NORMAN, OK 73072-3343
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 3, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 19, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF OK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Prior Sale	Jul 19, 2018 · Amount on File
Deed Document Number	R 2022 00050
Deed Book / Page	6364 / 702
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jan 3, 2022
Property Address	3403 WILLOW ROCK RD, NORMAN, OK 73072-3343
Document Number	R202200050
Book / Page	6364 / 702
Instrument Date	Dec 16, 2021
Instrument	R 2022 00050
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	OKLAHOMA CITY ABSTRACT AND TITLE, OKLAHOMA CITY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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
Address	3403 WILLOW RIDGE RD, NORMAN, OK 73072

Mortgage

Document Number	R202200051
Date	Jan 3, 2022
Instrument	R 2022 00051

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jul 19, 2018
Property Address	3403 WILLOW ROCK RD, NORMAN, OK 73072-3343
Document Number	0000022580
Book / Page	005824 / 000657
Instrument Date	Jul 10, 2018
Instrument	22580
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 WILLOW ROCK RD NORMAN OK 730723343, NORMAN, OK 73072-3343

Mortgage

Document Number	22581
Date	Jul 19, 2018
Book Page	005824/000659
Instrument	22581

Lender

Name	BANK OF OK
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2048

Tax Assessment & Valuation

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	Homeowner's exemption	$29,555 Land $4,898 Building $24,657	$285,687 Land $47,346 Building $238,341
2023	Homeowner's exemption	$27,858 Land $4,224 Building $23,634	$269,648 Land $40,894 Building $228,754

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

FEMA maps place 3403 Willow Rock Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	5 (2007–2023)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2007 · 2 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

The area around 3403 Willow Rock Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
OEC Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Willow Rock Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures