3438 Cobblestone Dr, Spencer, OK 73084 Property Records

Oklahoma County property record for 3438 Cobblestone Dr, Spencer, OK 73084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,175 sqft · built 1985
Lot Size	0.147 acres (6,403 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Sep 2018)
Tax Bill	$1,587 (2025)
Deeds & Mortgages	Sep 2018 Transfer Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2489-12-412-1120`

Property Details

APN / Parcel Number

Primary APN	`2489-12-412-1120`
Alternative APNs	`R124121120` `124121120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
Lot Dimensions	97 ft deep x 66 ft wide
View / Lot	Irregular Lot
Garage Type	Carport
Garage Area	361 sqft
Carport	Carport
Carport Area	361 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	28 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R124121120
Street Address	3438 COBBLESTONE DR
City	SPENCER
State	OK
Zip	73084-3256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE HOLLOW 001 013
Legal Range	02W
Legal Township	12N
Legal Section	23
Legal Subdivision	COBBLESTONE HOLLOW
Legal Block	1
Legal Lot Number	13
Jurisdiction	OKLAHOMA OK
Township / Civil Division	OKLAHOMA CITY SOUTHEAST
Census Block Group	4
Census Block	4012
Census Tract	108011

Owner

3438 Cobblestone Dr is owned and occupied by an individual who bought it in September 2018.

Source: Oklahoma County records, as of January 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3438 COBBLESTONE DR, SPENCER, OK 73084-3256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2018	Quit Claim Deed FIRST AMERICAN TITLE
Sep 5, 2018	Warranty Deed, Transfer · FHA Mortgage BANK OF OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2018 · Amount on File
Deed Sale	Sep 5, 2018 · Amount on File
Prior Sale	Apr 2, 2014
Deed Document Number	201811213990
Deed Book / Page	13829 / 1498
Prior Transfer Date	Apr 22, 2014
Prior Transfer Doc	0010507900
Record Updated	Jun 8, 2026

September 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Sep 5, 2018
Property Address	3438 COBBLESTONE DR, SPENCER, OK 73084-3256
Document Number	0138291496
Book / Page	013829 / 001496
Instrument Date	Aug 31, 2018
Instrument	11213980
Record Updated	Oct 2, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 HILLTOP RD MIDWEST CITY OK 731104017, MIDWEST CITY, OK 73110-4017

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Sep 5, 2018
Property Address	3438 COBBLESTONE DR, SPENCER, OK 73084-3256
Document Number	0138291498
Book / Page	013829 / 001498
Instrument Date	Aug 31, 2018
Instrument	11213990
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3438 COBBLESTONE DR SPENCER OK 730843256, SPENCER, OK 73084-3256

Mortgage

Document Number	138291500
Date	Sep 5, 2018
Book Page	013829/001500
Instrument	11214000

Lender

Name	BANK OF OK
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3438 Cobblestone Dr was $1,587, up 5% from the year before.

Source: Oklahoma County assessment roll, as of January 21, 2026

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	$1,587.00 (+4.96%)	$14,572 (+5%) Land $2,392 Building $12,180	$175,500 (+1.74%) Land $28,809 Building $146,691
2024	$1,512.00 (+5.88%)	$13,878 (+4.99%) Land $2,318 Building $11,560	$172,500 (+2.68%) Land $28,809 Building $143,691
2023	$1,428.00	$13,218 Land $2,267 Building $10,951	$168,000 Land $28,809 Building $139,191

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 3438 Cobblestone Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3438 Cobblestone Dr is low, with less than a 0.01% annual chance of 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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