3435 Cobblestone Dr, Spencer, OK 73084 Property Records

Oklahoma County property record for 3435 Cobblestone Dr, Spencer, OK 73084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 2003
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$101,000 (Dec 2003)
Tax Bill	$1,025 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-412-1310`

Property Details

APN / Parcel Number

Primary APN	`12-412-1310`
Alternative APNs	`2489-12-412-1310` `R124121310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
1st Floor Area	1,538 sqft
Laundry Room	Laundry Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Ranch
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	99 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Patio Area	111 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R124121310
Street Address	3435 COBBLESTONE DR
City	SPENCER
State	OK
Zip	73084-3257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE HOLLOW 002 007
Legal Range	02W
Legal Township	12N
Legal Section	23
Legal Quarter	NE
Legal Subdivision	COBBLESTONE HOLLOW
Legal Block	2
Legal Lot Number	7
Jurisdiction	OKLAHOMA OK
Township / Civil Division	OKLAHOMA CITY SOUTHEAST
Census Block Group	4
Census Block	4011
Census Tract	108011

Owner

Source: Oklahoma County records, as of January 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3435 COBBLESTONE DR, SPENCER, OK 73084-3257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Negative Amortization SWBC MORTGAGE CORP
Feb 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2003 · Amount on Record
Deed Sale	Dec 10, 2003 · Amount on Record
Prior Sale	Feb 5, 2002 · Amount on Record
Deed Document Number	2003222196
Deed Book / Page	9140 / 1695
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	3435 COBBLESTONE DR, SPENCER, OK 73084-3257
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 COBBLESTONE DR, SPENCER, OK 73084-3257

Mortgage

Document Number	0001033072
Date	Mar 18, 2024
Book Page	15700/780
Instrument	2024031801033072

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Negative Amortization
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	3435 COBBLESTONE DR, SPENCER, OK 73084-3257
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	STEWART TITLE OF OKLAHOMA IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010190300
Date	Feb 14, 2019
Book Page	13949/1889
Instrument	20190214010190300

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,025.00 (+0.89%) Homeowner's exemption	$10,408 (-) Land $1,887 Building $8,521	$196,500 (+7.97%) Land $35,640 Building $160,860
2023	$1,016.00 Homeowner's exemption	$10,408 Land $2,038 Building $8,370	$182,000 Land $35,640 Building $146,360

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 May 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.2% of Oklahoma
Wildfire Likelihood	Under 0.01% 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	SPENCER serves 3,746 people · EPA ID OK2005509
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 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	15 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Atlink Services Fixed Wireless	100 / 20

May also be available: AT&T.

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