McClain County property record for 4216 Upper Lake Dr, Norman, OK 73072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,602 sqft · built 1994 |
| Lot Size | 0.514 acres (22,409 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11787 |
| Primary APN | 11787 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,602 sqft Living Area |
| 1st Floor Area | 2,602 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,409 sqft (0.514 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 800 sqft |
| Porch | Slab |
| Porch Area | 470 sqft |
| Patio Area | 470 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 11787 |
|---|---|
| Street Address | 4216 UPPER LAKE DR |
| City | NORMAN |
| State | OK |
| Zip | 73072-9747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 26 CRYSTAL LAKES |
| Legal Range | 03W |
| Legal Township | 08N |
| Legal Section | 09 |
| Legal Subdivision | CRYSTAL LAKES |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | MCCLAIN OK |
| Township / Civil Division | PURCELL |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 400204 |
4216 Upper Lake Dr is owned and occupied by two individuals.
Source: McClain County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4216 UPPER LAKE DR, NORMAN, OK 73072-9747 |
| 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 |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| Dec 8, 2022 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Dec 11, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Aug 17, 2018 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCLAIN OK |
| Recording Date | Sep 23, 2026 |
| Property Address | 4216 UPPER LAKE DR, NORMAN, OK 73072-9747 |
| Document Number | 0000011025 |
| Book / Page | 3121 / 819 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 202611025 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4216 UPPER LAKE DR, NORMAN, OK 73072-9747 |
| Document Number | 0000011025, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 3121/819 |
| Instrument | 202611025 |
| Name | UNITED TRUST BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCLAIN OK |
| Property Address | 4216 UPPER LAKE DR, NORMAN, OK 73072-9747 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Title Company | BCHH INC |
| Name | Verified Name |
|---|
| Document Number | 002827/430 |
|---|---|
| Date | Dec 8, 2022 |
| Book Page | 2827/430 |
| Instrument | I-2022-015409 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCLAIN OK |
| Property Address | 4216 UPPER LAKE DR, NORMAN, OK 73072-9747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 2666/89 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 2666/89 |
| Instrument | 2020-013075 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCLAIN OK |
| Property Address | 4216 UPPER LAKE DR, NORMAN, OK 73072-9747 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Name | Verified Name |
|---|
| Document Number | 2490/184 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 2490/184 |
| Instrument | 2018-014519 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: McClain County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | McClain County |
| Municipality | Newcastle City |
| Unified School District | Norman Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,242 (+3%) Land $5,950 Building $28,292 | $311,293 (-23.58%) Land $54,090 Building $257,203 | |
| 2025 | Homeowner's exemption | $33,245 Land $5,777 Building $27,468 | $407,341 Land $58,000 Building $349,341 |
| 2023 | Homeowner's exemption | $31,337 Land $5,551 Building $25,786 | $397,319 Land $58,000 Building $339,319 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4216 Upper Lake Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective November 16, 2007 · 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Jun 2022 · rainfall accumulation |
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 4216 Upper Lake Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 85% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | GOLDSBY WATER AUTH TRUST serves 2,000 people · EPA ID OK2004707 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2023 |
| Lead | Under 1 ppb (2021–2023) 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 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber | 2,000 / 35 |
| OEC Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
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