3905 Timber Trl, Norman, OK 73069 Property Records

Cleveland County property record for 3905 Timber Trl, Norman, OK 73069

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2020
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,000 (Jun 2020)
Tax Bill	$7,198 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`NC29VINCR 9 4001`

Property Details

APN / Parcel Number

Primary APN	`NC29VINCR 9 4001`
Alternative APN	`175903`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Safe Room	Safe Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	175903
Street Address	3905 TIMBER TRL
City	NORMAN
State	OK
Zip	73069-3211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINTAGE CREEK LT 4 BLK 9
Legal Range	02W
Legal Township	09N
Legal Section	07
Legal Subdivision	VINTAGE CREEK
Legal Block	9
Legal Lot Number	4
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	5
Census Block	5016
Census Tract	201509

Owner

Source: Cleveland County records, as of February 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 15, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage USAA FED'L SVGS BK
Mar 9, 2020	Loan Modification, Mortgage VALLIANCE BK
Jul 12, 2019	Deed of Trust, Construction Loan · Construction Mortgage VALLIANCE BK
May 26, 2019	Loan Modification, Consolidation and Extension, Mortgage REPUBLIC BK&TR
May 26, 2019	Loan Modification, Mortgage REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020 · Amount on Record
Deed Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	R 2020 18832
Deed Book / Page	6069 / 1467
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 TIMBER TRL, NORMAN, OK 73069-3211

Mortgage

Document Number	0R20263831
Date	Feb 12, 2026
Book Page	6920/466
Instrument	R 2026 3831

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jun 15, 2020
Property Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Document Number	0000018832
Book / Page	006069 / 001467
Instrument Date	Jun 12, 2020
Instrument	18832
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 31, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$669.00
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	3905 TIMBER TRL NORMAN OK 730693211, NORMAN, OK 73069-3211

Mortgage

Document Number	18833
Date	Jun 15, 2020
Book Page	006069/001468
Instrument	18833

Lender

Name	USAA FED'L SVGS BK
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND OK
Property Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Document Number	0000008341
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3905 TIMBER TRL NORMAN OK 730693211, NORMAN, OK 73069-3211

Mortgage

Document Number	0000008341
Date	Mar 19, 2020
Book Page	006033/001445
Instrument	8341

Lender

Name	VALLIANCE BK
Type	Bank
Address	NORMAN, OK 73069

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 18, 2021

July 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Recording Date	Jul 12, 2019
Property Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Document Number	0000021183
Book / Page	005942 / 000369
Instrument Date	Jul 12, 2019
Instrument	21183
Transaction Type	Construction Loan
Record Updated	May 28, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3905 TIMBER TRL NORMAN OK 730693211, NORMAN, OK 73069-3211

Mortgage

Document Number	0000021183
Date	Jul 12, 2019
Book Page	005942/000369
Instrument	21183

Lender

Name	VALLIANCE BK
Type	Bank
Address	NORMAN, OK 73069

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 11, 2020

Interest

Rate Type	Adjustable Rate

May 2019: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	CLEVELAND OK
Property Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Document Number	0000019403
Instrument Date	May 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3905 TIMBER TRL NORMAN OK 730693211, NORMAN, OK 73069-3211

Mortgage

Document Number	0000019403
Date	Jun 28, 2019
Book Page	005936/001398
Instrument	19403

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	NORMAN, OK 73070

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 27, 2020

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLEVELAND OK
Property Address	3905 TIMBER TRL, NORMAN, OK 73069-3211
Document Number	0000019403
Instrument Date	May 26, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3905 TIMBER TRL NORMAN OK 730693211, NORMAN, OK 73069-3211

Mortgage

Document Number	0000019403
Date	Jun 28, 2019
Book Page	005936/001398
Instrument	19403

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	NORMAN, OK 73070

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 27, 2020

Tax Assessment & Valuation

Source: Cleveland County assessment roll, as of October 1, 2025

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	$7,198.00 (+6.12%) Homeowner's exemption	$60,981 (+6.09%) Land $6,642 Building $54,339	$604,166 (+18.22%) Land $65,813 Building $538,353
2023	$6,783.00 Homeowner's exemption	$57,481 Land $7,237 Building $50,244	$511,065 Land $64,350 Building $446,715

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
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

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

Wildfire Risk	Moderate above 58% of the US · lower than 80% of Oklahoma
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Fiber	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: OEC Fiber.

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