3609 Joseph Cir, Norman, OK 73072 Property Records

Cleveland County property record for 3609 Joseph Cir, Norman, OK 73072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,815 sqft · built 1999
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Tax Bill	$2,595 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0027988`

Property Details

APN / Parcel Number

Primary APN	`R0027988`
Alternative APNs	`NC29CANR3 2 18001` `27988`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,815 sqft Living Area
Gross Area	2,215 sqft
1st Floor Area	1,815 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
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	400 sqft
Porch	Porch
Porch Area	148 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	27988
Street Address	3609 JOSEPH CIR
City	NORMAN
State	OK
Zip	73072-7621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANADIAN TRAILS ADD SEC 3-REPLAT LT 18 BLK 2
Legal Range	02W
Legal Township	08
Legal Section	07
Legal Subdivision	CANADIAN TRAILS
Legal Block	2
Legal Lot Number	18
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	1
Census Block	1004
Census Tract	201104

Owner

3609 Joseph Cir is owned and occupied by an individual who acquired it in July 2018.

Source: Cleveland County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3609 JOSEPH CIR, NORMAN, OK 73072-7621
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2019	Deed of Trust, Mortgage · Conventional with PMI ARVEST MTG
Jul 13, 2018	Deed of Trust, Mortgage · Conventional with PMI ARVEST MTG
Jul 18, 2018	Grant Deed, Transfer CLEVELAND COUNTY ABSTRACT COMPANY, CLEVELAND CNTY ABSTRACT CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2018
Deed Sale	Jul 18, 2018
Prior Sale	Oct 19, 2012
Deed Document Number	201822434
Deed Book / Page	5823 / 1477
Prior Transfer Date	May 19, 2008
Prior Transfer Doc	0000018417
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3609 JOSEPH CIR, NORMAN, OK 73072-7621
Document Number	0000030602
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	CHICAGO TITLE OK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 JOSEPH CIR NORMAN OK 730727621, NORMAN, OK 73072-7621

Mortgage

Document Number	0000030602
Date	Sep 26, 2019
Book Page	005971/000134
Instrument	30602

Lender

Name	ARVEST MTG
Type	Mortgage Company
Address	LOWELL, AR 72745

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3609 JOSEPH CIR, NORMAN, OK 73072-7621
Document Number	0000022435
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	CLEVELAND COUNTY ABSTRACT COMPANY, CLEVELAND CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 JOSEPH CIR NORMAN OK 730727621, NORMAN, OK 73072-7621

Mortgage

Document Number	0000022435
Date	Jul 18, 2018
Book Page	005823/001478
Instrument	22435

Lender

Name	ARVEST MTG
Type	Mortgage Company
Address	LOWELL, AR 72745

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jul 18, 2018
Property Address	3609 JOSEPH CIR, NORMAN, OK 73072-7621
Document Number	0000022434
Book / Page	005823 / 001477
Instrument Date	Jul 12, 2018
Instrument	22434
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	CLEVELAND COUNTY ABSTRACT COMPANY, CLEVELAND CNTY ABSTRACT CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 JOSEPH CIR NORMAN OK 730727621, NORMAN, OK 73072-7621

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Joseph Cir was $2,595 with a homeowner's exemption.

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	$2,595.00 Homeowner's exemption	$22,624 Land $4,539 Building $18,085	$294,425 Land $59,070 Building $235,355
2023	$2,441.00 Homeowner's exemption	$21,326 Land $4,914 Building $16,412	$233,045 Land $53,700 Building $179,345

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3609 Joseph Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3609 Joseph Cir is moderate, ranking above 44% of the US, with a 0.09% annual chance of 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.

Nearby Properties on Joseph Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures