3440 Cobblestone Dr, Spencer, OK 73084 Property Records

Oklahoma County property record for 3440 Cobblestone Dr, Spencer, OK 73084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,114 sqft · built 1985
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on Record
Last Sale	$109,500 (Aug 2019)
Tax Bill	$1,580 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-412-1110`

Property Details

APN / Parcel Number

Primary APN	`12-412-1110`
Alternative APNs	`2489-12-412-1110` `R124121110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,114 sqft Living Area
1st Floor Area	1,114 sqft
Laundry Room	Laundry Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Ranch
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	87 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R124121110
Street Address	3440 COBBLESTONE DR
City	SPENCER
State	OK
Zip	73084-3256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE HOLLOW 001 012
Legal Range	02W
Legal Township	12N
Legal Section	23
Legal Quarter	NE
Legal Subdivision	COBBLESTONE HOLLOW
Legal Block	1
Legal Lot Number	12
Jurisdiction	OKLAHOMA OK
Township / Civil Division	OKLAHOMA CITY SOUTHEAST
Census Block Group	4
Census Block	4012
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 1862, CHOCTAW, OK 73020-1862
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2017	Deed of Trust, Mortgage QUAIL CREEK BANK
Aug 26, 2019	Warranty Deed, Transfer · Conventional Mortgage FINANCIAL CONCEPTS MORTGAGE LLC
Jun 14, 2018	Warranty Deed, Transfer OKLAHOMA CITY ABSTRACT AND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Prior Sale	Jun 14, 2018 · Amount on Record
Deed Document Number	20190826011186800
Deed Book / Page	14113 / 1628
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	3440 COBBLESTONE DR, SPENCER, OK 73084-3256
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011037260
Date	Jul 26, 2017
Book Page	13497/0728
Instrument	20170726011037260

Lender

Name	QUAIL CREEK BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73156

Agreement

Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Aug 26, 2019
Property Address	3440 COBBLESTONE DR, SPENCER, OK 73084-3256
Document Number	0011186800
Book / Page	14113 / 1628
Instrument Date	Aug 12, 2019
Instrument	20190826011186800
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	STEWART TITLE OF OK INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$164.25
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	PO BOX 1862, CHOCTAW, OK 73020-1862

Mortgage

Document Number	0011186810
Date	Aug 26, 2019
Instrument	20190826011186810

Lender

Name	FINANCIAL CONCEPTS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Jun 14, 2018
Property Address	3440 COBBLESTONE DR, SPENCER, OK 73084-3256
Document Number	0137611962
Book / Page	013761 / 001962
Instrument Date	Jun 14, 2018
Instrument	10825300
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	OKLAHOMA CITY ABSTRACT AND TITLE

Transaction

Amount	Amount Recorded
Tax	$789.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	424 5TH ST MANHATTAN BEACH CA 902665714, MANHATTAN BEACH, CA 90266-5714

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	$1,580.00 (+11.19%)	$14,506 (+10.25%) Land $2,303 Building $12,203	$157,500 (+3.62%) Land $25,000 Building $132,500
2023	$1,421.00	$13,157 Land $2,164 Building $10,993	$152,000 Land $25,000 Building $127,000

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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