3428 Derek Ln, Norman, OK 73069 Property Records

Cleveland County property record for 3428 Derek Ln, Norman, OK 73069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 2006
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Mar 2022)
Tax Bill	$3,104 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`NC29TECR2 1 3001`

Property Details

APN / Parcel Number

Primary APN	`NC29TECR2 1 3001`
Alternative APN	`145620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	1,590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	449 sqft
Porch	Porch
Porch Area	120 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	145620
Old Parcel Number	145620
Street Address	3428 DEREK LN
City	NORMAN
State	OK
Zip	73069-8327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TECUMSEH RIDGE II LOT 3 BLOCK 1
Legal Range	02W
Legal Township	09N
Legal Section	18
Legal Quarter	NE
Legal Subdivision	TECUMSEH RIDGE II
Legal Block	1
Legal Lot Number	3
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	3
Census Block	3003
Census Tract	201509

Owner

3428 Derek Ln is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3428 DEREK LN, NORMAN, OK 73069-8327
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 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NP INC
Dec 2, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2022 · Amount on File
Deed Sale	Mar 18, 2022 · Amount on File
Prior Sale	Dec 1, 2015 · Amount on File
Deed Document Number	R 2022 09859
Deed Book / Page	6398 / 369
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Mar 18, 2022
Property Address	3428 DEREK LN, NORMAN, OK 73069-8327
Document Number	R202209859
Book / Page	6398 / 369
Instrument Date	Mar 16, 2022
Instrument	R 2022 09859
Transaction Type	Transfer
Record Updated	Apr 5, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3428 DEREK LN, NORMAN, OK 73069-8327

Mortgage

Document Number	R202209860
Date	Mar 18, 2022
Instrument	R 2022 09860

Lender

Name	NP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3428 DEREK LN, NORMAN, OK 73069-8327
Document Number	0000001654
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3428 DEREK LN NORMAN OK 730698327, NORMAN, OK 73069-8327

Mortgage

Document Number	0000001654
Date	Jan 13, 2021
Book Page	006177/000550
Instrument	1654

Lender

Name	FREEDOM HM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 12, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 3428 Derek Ln was $3,104 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	$3,104.00 Homeowner's exemption	$26,863 Land $4,394 Building $22,469	$246,955 Land $40,396 Building $206,559
2023	$3,040.00	$25,321 Land $5,082 Building $20,239	$211,016 Land $42,350 Building $168,666

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 3428 Derek Ln in Zone X, an area of minimal flood risk.

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	4 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 3428 Derek Ln is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 86% of Oklahoma
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 564 locations within half a mile, as of December 31, 2025

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

May also be available: OEC Fiber.

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