405 Willow Br Rd, Norman, OK 73072 Property Records

Cleveland County property record for 405 Willow Br Rd, Norman, OK 73072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,319 sqft · built 1979
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (May 2026)
Tax Bill	$4,297 (2025)
Deeds & Mortgages	Jan 2025 Mortgage May 2026 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`NC29QUBK1 3 6001`

Property Details

APN / Parcel Number

Primary APN	`NC29QUBK1 3 6001`
Alternative APNs	`R0042221` `42221`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,319 sqft Living Area
Gross Area	2,871 sqft
1st Floor Area	2,319 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
View / Lot	Business Cluster
Garage Type	Attached
Garage Area	552 sqft
Porch	Porch
Porch Area	292 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	42221
Street Address	405 WILLOW BRANCH RD
City	NORMAN
State	OK
Zip	73072-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	QUAILBROOK I LOT 6 BLK 3
Legal Range	03W
Legal Township	09
Legal Section	27
Legal Subdivision	QUAIL BROOK 1
Legal Block	3
Legal Lot Number	6
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	3
Census Block	3002
Census Tract	201512

Owner

Source: Cleveland County records, as of May 18, 2026

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

Owner of Record	Company Name on Record
Mailing Address	7706 S JAMESTOWN AVE, TULSA, OK 74136-8045
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage BOKF NA
Jan 21, 2026	Warranty Deed, Transfer OKLAHOMA PRIME T&E LLC
Jan 21, 2026	Special Warranty Deed, Transfer · Line of Credit HAPPY CAPITAL LLC
Sep 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Jun 30, 2022	Warranty Deed, Transfer · FHA Mortgage OPEN MORTGAGE LLC
Nov 9, 2020	Deed of Trust, Mortgage · Conventional with PMI ARVEST MTG
Jul 3, 2018	Warranty Deed, Transfer ARVEST MTG
Oct 18, 2017	Warranty Deed, Transfer · FHA Mortgage BANK OF OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Jan 21, 2026 · Amount on Record
Deed Document Number	202612611
Deed Book / Page	6958 / 1121
Prior Transfer Date	Jun 26, 2013
Prior Transfer Doc	R201328361
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510

Mortgage

Document Number	0R20251350
Date	Jan 17, 2025
Book Page	6755/1352
Instrument	R 2025 1350

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	May 5, 2026
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	0000012611
Book / Page	6958 / 1121
Instrument Date	Apr 30, 2026
Instrument	2026.12611
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	7706 S JAMESTOWN AVE, TULSA, OK 74136-8045

Mortgage

Document Number	0000012612,
Date	May 5, 2026
Book Page	6958/1128
Instrument	2026.12612

Lender

Name	BOKF NA

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jan 21, 2026
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	0R20261674
Book / Page	6911 / 1
Instrument Date	Jan 20, 2026
Instrument	R 2026 1674
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	OKLAHOMA PRIME T&E LLC

Transaction

Amount	Amount Recorded
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 RIVERSIDE DR STE 100W, 100W, IRVING, TX 75039-4696
Investor	Possibly a Property Investor

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jan 21, 2026
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	0R20261675
Book / Page	6911 / 3
Instrument Date	Jan 20, 2026
Instrument	R 2026 1675
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	OKLAHOMA PRIME TITLE & ESC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$378.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 891645, OKLAHOMA CITY, OK 73189-1645

Mortgage

Document Number	0R20261676
Date	Jan 21, 2026
Instrument	R 2026 1676

Lender

Name	HAPPY CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Sep 28, 2023
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	R202326701
Book / Page	6593 / 63
Instrument Date	Sep 20, 2023
Instrument	R 2023 26701
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	LEGACY TITLE OF OKLAHOMA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
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

Mortgage

Document Number	R202326702
Date	Sep 28, 2023
Instrument	R 2023 26702

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jun 30, 2022
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	R202223745
Book / Page	6443 / 1267
Instrument Date	Jun 22, 2022
Instrument	R 2022 23745
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R202223746
Date	Jun 30, 2022
Instrument	R 2022 23746

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	0000043450
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 WILLOW BRANCH RD NORMAN OK 730724510, NORMAN, OK 73072-4510

Mortgage

Document Number	0000043450
Date	Nov 24, 2020
Book Page	006152/000967
Instrument	43450

Lender

Name	ARVEST MTG
Type	Mortgage Company
Address	LOWELL, AR 72745

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Jul 3, 2018
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	0000020541
Book / Page	005817 / 001470
Instrument Date	Jun 29, 2018
Instrument	20541
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
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	405 WILLOW BRANCH RD NORMAN OK 730724510, NORMAN, OK 73072-4510

Mortgage

Document Number	20542
Date	Jul 3, 2018
Book Page	005817/001472
Instrument	20542

Lender

Name	ARVEST MTG
Type	Mortgage Company
Address	LOWELL, AR 72745

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Oct 18, 2017
Property Address	405 WILLOW BRANCH RD, NORMAN, OK 73072-4510
Document Number	0000034543
Book / Page	005731 / 001446
Instrument Date	Oct 12, 2017
Instrument	34543
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.00
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	405 WILLOW BRANCH RD NORMAN OK 730724510, NORMAN, OK 73072-4510

Mortgage

Document Number	34544
Date	Oct 18, 2017
Book Page	005731/001448
Instrument	34544

Lender

Name	BANK OF OK
Type	Bank
Address	TULSA, OK 74136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2047

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	$4,297.00 (+4.25%) Homeowner's exemption	$36,809 (+7.23%) Land $7,098 Building $29,711	$308,856 (+7.97%) Land $59,564 Building $249,292
2023	$4,122.00 (+42.48%)	$34,326 (+31.42%) Land $5,768 Building $28,558	$286,050 (+16.97%) Land $48,071 Building $237,979
2022	$2,893.00 Homeowner's exemption	$26,120 Land $5,134 Building $20,986	$244,552 Land $48,071 Building $196,481

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	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.

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 638 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: OEC Fiber.

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