3605 Joseph Cir, Norman, OK 73072 Property Records

Cleveland County property record for 3605 Joseph Cir, Norman, OK 73072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,782 sqft · built 1997
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$203,500 (Dec 2019)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0027989`

Property Details

APN / Parcel Number

Primary APN	`R0027989`
Alternative APNs	`NC29CANR3 2 19001` `27989`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	2,202 sqft
1st Floor Area	1,782 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
View / Lot	Neighborhood
Garage Type	Attached
Garage Area	420 sqft
Porch	Porch
Porch Area	194 sqft
Patio Area	122 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	27989
Street Address	3605 JOSEPH CIR
City	NORMAN
State	OK
Zip	73072-7621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CANADIAN TRAILS ADD SEC 3-REPLAT LT 19 BLK 2
Legal Range	02W
Legal Township	08
Legal Section	07
Legal Subdivision	CANADIAN TRAILS
Legal Block	2
Legal Lot Number	19
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	1
Census Block	1004
Census Tract	201104

Owner

Source: Cleveland County records, as of February 9, 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	3605 JOSEPH CIR, NORMAN, OK 73072-7621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Warranty Deed, Transfer · VA Mortgage FIRST UNITED BK
Apr 13, 2018	Grant Deed, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Prior Sale	Apr 13, 2018 · Amount on Record
Deed Document Number	201941222
Deed Book / Page	6004 / 1453
Prior Transfer Date	Jul 6, 2011
Prior Transfer Doc	R201121905
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Dec 26, 2019
Property Address	3605 JOSEPH CIR, NORMAN, OK 73072-7621
Document Number	0000041222
Book / Page	006004 / 001453
Instrument Date	Dec 20, 2019
Instrument	41222
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	STEWART TITLE, STEWART TITLE/OK INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$305.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 JOSEPH CIR NORMAN OK 730727621, NORMAN, OK 73072-7621

Mortgage

Document Number	41223
Date	Dec 26, 2019
Book Page	006004/001454
Instrument	41223

Lender

Name	FIRST UNITED BK
Type	Bank
Address	DURANT, OK 74701

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLEVELAND OK
Recording Date	Apr 13, 2018
Property Address	3605 JOSEPH CIR, NORMAN, OK 73072-7621
Document Number	0000010942
Book / Page	005789 / 000091
Instrument Date	Apr 13, 2018
Instrument	10942
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	CLEVELAND COUNTY ABSTRACT COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
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	3605 JOSEPH CIR NORMAN OK 730727621, NORMAN, OK 73072-7621

Mortgage

Document Number	10943
Date	Apr 13, 2018
Book Page	005789/000092
Instrument	10943

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2048

Tax Assessment & Valuation

Source: Cleveland County assessment roll, as of February 9, 2026

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	Homeowner's exemption	$24,539 (+6.09%) Land $5,019 Building $19,520	$288,773 (+26.16%) Land $59,070 Building $229,703
2023	Homeowner's exemption	$23,130 Land $5,426 Building $17,704	$228,893 Land $53,700 Building $175,193

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 February 20, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 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

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

Wildfire Risk	Moderate above 44% of the US · lower than 88% of Oklahoma
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
OEC Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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