41320 Bear Rd, Terlton, OK 74081 Property Records

Creek County property record for 41320 Bear Rd, Terlton, OK 74081

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,500 sqft · built 2020
Lot Size	41.1 acres (1,790,752 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Mar 2020)
Tax Bill	$1,875 (2025)
Deeds & Mortgages	Nov 2024 Second Mortgage Aug 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0000-03-019-008-0-067-04`

Property Details

APN / Parcel Number

Primary APN	`0000-03-019-008-0-067-04`
Alternative APN	`17002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Metal
Lot Area	1,790,752 sqft (41.1 acres)

Exterior Amenities

Porch	Slab
Patio Area	192 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17002
Street Address	41320 BEAR RD
City	TERLTON
State	OK
Zip	74081-3270
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	IP
Legal Description	3-19-8 E N SW & BEG AT PT S88'44 W1126.79 FR SE COR NW TH N0'6 W232.17 S86'53 W39.6 S53'44 W190 S0'6 E 112.6 N88'44 E196.66 P
Legal Range	08E
Legal Township	19N
Legal Section	03
Legal Subdivision	T19N-R08E
Jurisdiction	CREEK OK
Township / Civil Division	KEYSTONE LAKE
Census Block Group	1
Census Block	1017
Census Tract	20705

Owner

41320 Bear Rd, a rural home, is owned and occupied by an individual who bought it in March 2020.

Source: Creek County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	41320 BEAR RD, TERLTON, OK 74081-3270
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
Nov 7, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GATEWAY FIRST BANK
Aug 21, 2020	Loan Modification, Mortgage GATEWAY MTG GRP
Mar 17, 2020	Warranty Deed, Transfer · Construction Mortgage GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2020 · Amount on File
Deed Sale	Mar 17, 2020 · Amount on File
Prior Sale	Jul 6, 2016 · Amount on File
Deed Document Number	20203316
Deed Book / Page	1236 / 313
Prior Transfer Date	Jun 28, 2016
Prior Transfer Doc	0010390307
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CREEK OK
Property Address	41320 BEAR RD, TERLTON, OK 74081-3270
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015230090
Date	Nov 7, 2024
Book Page	1523/90
Instrument	I-2024-012947

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	JENKS, OK 74037

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2039

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CREEK OK
Property Address	41320 BEAR RD, TERLTON, OK 74081-3270
Document Number	0012650678
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41320 BEAR RD TERLTON OK 740813270, TERLTON, OK 74081-3270

Mortgage

Document Number	0012650678
Date	Sep 11, 2020
Book Page	001265/000678
Instrument	10757

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CREEK OK
Recording Date	Mar 17, 2020
Property Address	41320 BEAR RD, TERLTON, OK 74081-3270
Document Number	0012360313
Book / Page	1236 / 313
Instrument Date	Mar 13, 2020
Instrument	2020-003316
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	EXECUTIVES T&E LLC

Transaction

Amount	Amount on Record
Tax	$210.00
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	0012360315
Date	Mar 17, 2020
Book Page	1236/315
Instrument	2020-003317

Lender

Name	GATEWAY FIRST BANK
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Feb 18, 2021

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Mar 1, 2020
Change Frequency	Monthly
Min Rate At Change	4.45%
Max Rate At Change	6.45%
Index	Prime Rate
Max Rate	10.4%

Tax Assessment & Valuation

The 2025 property tax bill for 41320 Bear Rd was $1,875 with a homeowner's exemption, down 2.4% from the year before.

Source: Creek County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Creek County
Unified School District	Cleveland Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$21,316 (+3%) Land $1,187 Building $20,129	$177,638 (+3%) Land $9,893 Building $167,745
2025	$1,875.00 (-2.45%) Homeowner's exemption	$20,696 (-23.29%) Land $1,187 Building $19,509	$172,465 (-36.41%) Land $9,893 Building $162,572
2024	$1,922.00 (-19.78%) Homeowner's exemption	$26,978 (+3%) Land $8,278 Building $18,700	$271,224 (+7.84%) Land $68,983 Building $202,241
2023	$2,396.00 Homeowner's exemption	$26,192 Land $8,278 Building $17,914	$251,508 Land $68,983 Building $182,525

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

FEMA maps place 41320 Bear Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 41320 Bear Rd is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · lower than 65% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cross Wireless Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

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