3447 Cobblestone Ct, Spencer, OK 73084 Property Records

Oklahoma County property record for 3447 Cobblestone Ct, Spencer, OK 73084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,579 sqft · built 2003
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Aug 2026)
Tax Bill	$1,376 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2489-12-412-1160`

Property Details

APN / Parcel Number

Primary APN	`2489-12-412-1160`
Alternative APNs	`R124121160` `124121160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,579 sqft Living Area
1st Floor Area	1,579 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R124121160
Street Address	3447 COBBLESTONE CT
City	SPENCER
State	OK
Zip	73084-3258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE HOLLOW 001 017
Legal Range	02W
Legal Township	12N
Legal Section	23
Legal Subdivision	COBBLESTONE HOLLOW
Legal Block	1
Legal Lot Number	17
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 September 17, 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
Mailing Address	3447 COBBLESTONE CT, SPENCER, OK 73084-3258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITADEL SVCNG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on Record
Deed Sale	Aug 26, 2026 · Amount on Record
Prior Sale	Nov 25, 2003 · Amount on Record
Deed Document Number	2026125314
Deed Book / Page	16597 / 1820
Prior Transfer Date	Apr 4, 2003
Prior Transfer Doc	0000059378
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKLAHOMA OK
Recording Date	Aug 26, 2026
Property Address	3447 COBBLESTONE CT, SPENCER, OK 73084-3258
Document Number	0000125314
Book / Page	16597 / 1820
Instrument Date	Aug 21, 2026
Instrument	2026125314
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	LEGACY TITLE, LEGACY TITLE OF OKLAHOMA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,997.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3447 COBBLESTONE CT, SPENCER, OK 73084-3258

Mortgage

Document Number	0000125315,
Date	Aug 26, 2026
Instrument	2026826125315

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKLAHOMA OK
Property Address	3447 COBBLESTONE CT, SPENCER, OK 73084-3258
Document Number	0142261638
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	TRUST MARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3447 COBBLESTONE CT SPENCER OK 730843258, SPENCER, OK 73084-3258

Mortgage

Document Number	0142261638
Date	Jan 2, 2020
Book Page	014226/001638
Instrument	10005700

Lender

Name	CITADEL SVCNG CORP
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	7%

Tax Assessment & Valuation

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	$1,376.00 (+2.08%) Homeowner's exemption	$13,778 (+6.09%) Land $1,701 Building $12,077	$202,500 (+7.14%) Land $25,000 Building $177,500
2024	$1,348.00 (+4.09%)
2023	$1,295.00 Homeowner's exemption	$12,987 Land $1,718 Building $11,269	$189,000 Land $25,000 Building $164,000

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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