41524 Bear Rd, Terlton, OK 74081 Property Records

Creek County property record for 41524 Bear Rd, Terlton, OK 74081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,978 sqft · built 1972
Lot Size	7.25 acres (315,810 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Oct 2021)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0000-03-019-008-0-067-01`

Property Details

APN / Parcel Number

Primary APN	`0000-03-019-008-0-067-01`
Alternative APN	`16999`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
1st Floor Area	1,978 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	315,810 sqft (7.25 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	190 sqft
Deck Area	360 sqft
Shed	1 Shed
Shed Area	80 sqft
Storage Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	16999
Street Address	41524 BEAR RD
City	TERLTON
State	OK
Zip	74081-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3-19-8 BEG 325.7 E & 25 S OF NW COR SW TH S610 E6 25 N305 W220 N305 W405 TO POB
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

41524 Bear Rd is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	41524 BEAR RD, TERLTON, OK 74081-3223
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
Oct 14, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 13, 2018	Warranty Deed, Transfer ELITE TITLE COMPANY INC, ELITE TITLE SVCS
Jun 27, 2016	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on File
Deed Sale	Oct 14, 2021 · Amount on File
Prior Sale	Nov 13, 2018 · Amount on File
Deed Document Number	202114372
Deed Book / Page	1338 / 535
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CREEK OK
Recording Date	Oct 14, 2021
Property Address	41524 BEAR RD, TERLTON, OK 74081-3223
Document Number	0013380535
Book / Page	1338 / 535
Instrument Date	Oct 6, 2021
Instrument	2021-014372
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	TITAN TITLE AND CLOSING LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
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

Mortgage

Document Number	2021014373
Date	Oct 14, 2021
Instrument	2021-014373

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0013380554
Date	Oct 14, 2021
Book Page	1338/554
Instrument	2021-014374

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2031

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CREEK OK
Recording Date	Nov 13, 2018
Property Address	41524 BEAR RD, TERLTON, OK 74081-3223
Document Number	0011660283
Book / Page	001166 / 000283
Instrument Date	Nov 7, 2018
Instrument	13256
Transaction Type	Transfer
Record Updated	Dec 3, 2018
Title Company	ELITE TITLE COMPANY INC, ELITE TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$210.75
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41524 BEAR RD TERLTON OK 740813223, TERLTON, OK 74081-3223

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CREEK OK
Property Address	41524 BEAR RD, TERLTON, OK 74081-3223
Document Number	0010920430
Book / Page	001092 / 000430
Instrument Date	Jun 27, 2016
Transaction Type	Mortgage
Record Updated	Jun 30, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	41524 BEAR RD TERLTON OK 740813223, TERLTON, OK 74081-3223

Mortgage

Document Number	0010920430
Date	Jun 22, 2017
Book Page	001092/000430
Instrument	7579

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	Jun 21, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 41524 Bear Rd was $2,716, down 2.5% 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		$22,676 (-20.53%) Land $3,561 Building $19,115	$188,968 (-20.53%) Land $29,675 Building $159,293
2025	$2,716.00 (-2.48%)	$28,534 (-0.34%) Land $3,561 Building $24,973	$237,786 (-4.98%) Land $29,675 Building $208,111
2024	$2,785.00 (+7.4%)	$28,632 (+5%) Land $3,561 Building $25,071	$250,251 (+9.26%) Land $29,675 Building $220,576
2023	$2,593.00	$27,269 Land $3,561 Building $23,708	$229,050 Land $29,675 Building $199,375

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 41524 Bear Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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
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 41524 Bear Rd is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 46% of Oklahoma
Wildfire Likelihood	0.5% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	1,000 / 35
Atlink Services Fixed Wireless	100 / 20
Cross Wireless DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bear Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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