Cleveland County property record for 3738 River Oaks Dr, Norman, OK 73072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 1981 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $40,000 (Dec 2009) |
| Tax Bill | $1,701 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R0028916 |
| Primary APN | R0028916 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 1,906 sqft |
| 1st Floor Area | 1,444 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 117 sqft |
| Deck Area | Deck Area |
| Patio Area | 185 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 28916 |
|---|---|
| Street Address | 3738 RIVER OAKS DR |
| City | NORMAN |
| State | OK |
| Zip | 73072-4626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | CEDAR RIDGE LOT 11 BLK 3 |
| Legal Range | 03W |
| Legal Township | 09 |
| Legal Section | 27 |
| Legal Subdivision | CEDAR RIDGE |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | CLEVELAND OK |
| Township / Civil Division | NORMAN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 201512 |
3738 River Oaks Dr is owned and occupied by an individual who acquired it in November 2011.
Source: Cleveland County records, as of February 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3738 RIVER OAKS DR, NORMAN, OK 73072-4626 |
| 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.
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 2, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2009 · Amount on File |
| Deed Sale | Dec 23, 2009 · Amount on File |
| Prior Sale | Dec 23, 2009 · Amount on File |
| Deed Document Number | 200949452 |
| Deed Book / Page | 4701 / 688 |
| Last Transfer Date | Nov 28, 2011 |
| Transfer Doc | R201141247 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 3738 RIVER OAKS DR, NORMAN, OK 73072-4626 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | R202202356 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 6372/345 |
| Instrument | R 2022 02356 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 3738 RIVER OAKS DR, NORMAN, OK 73072-4626 |
| Document Number | 0000014844 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 3738 RIVER OAKS DR NORMAN OK 730724626, NORMAN, OK 73072-4626 |
| Document Number | 0000014844 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 006056/000944 |
| Instrument | 14844 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 14, 2050 |
The 2025 property tax bill for 3738 River Oaks Dr was $1,701 with a homeowner's exemption.
Source: Cleveland County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Cleveland County |
| Municipality | Norman City |
| Unified School District | Norman Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,701.00 Homeowner's exemption | $15,176 Land $3,508 Building $11,668 | $204,625 Land $47,306 Building $157,319 |
| 2023 | $1,598.00 Homeowner's exemption | $14,305 Land $3,368 Building $10,937 | $161,699 Land $38,074 Building $123,625 |
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.
FEMA maps place 3738 River Oaks Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 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 risk around 3738 River Oaks Dr is low, with 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 80% of the US · lower than 94% of Oklahoma |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 430 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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