Cleveland County property record for 440 Elmcrest Dr, Norman, OK 73071
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,377 sqft · built 1977 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,500 (Jan 2026) |
| Tax Bill | $1,511 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | NC29WODE6 11 4001 |
| Primary APN | NC29WODE6 11 4001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,377 sqft Living Area |
| 1st Floor Area | 1,377 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 544 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 154 sqft |
| Deck Area | Deck Area |
| Patio Area | 378 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 50643 |
|---|---|
| Old Parcel Number | 50643 |
| Street Address | 440 ELMCREST DR |
| City | NORMAN |
| State | OK |
| Zip | 73071-7053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODCREST ESTATES 6 LOT 4 BLK 11 |
| Legal Range | 02W |
| Legal Township | 09N |
| Legal Section | 17 |
| Legal Quarter | NW |
| Legal Subdivision | WOODCREST ESTATES 6 |
| Legal Block | 11 |
| Legal Lot Number | 4 |
| Jurisdiction | CLEVELAND OK |
| Township / Civil Division | NORMAN |
| Census Block Group | 5 |
| Census Block | 5002 |
| Census Tract | 201403 |
Source: Cleveland County records, as of February 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 440 ELMCREST DR, NORMAN, OK 73071-7053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jun 25, 2024 | Deed of Trust, Mortgage · Line of Credit OU FCU |
| Jan 5, 2026 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2026 · Amount on Record |
| Deed Sale | Jan 5, 2026 · Amount on Record |
| Prior Sale | Dec 23, 2013 · Amount on Record |
| Deed Document Number | R 2026 5 |
| Deed Book / Page | 6904 / 337 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 440 ELMCREST DR, NORMAN, OK 73071-7053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | R202200543 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 6366/303 |
| Instrument | R 2022 00543 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Property Address | 440 ELMCREST DR, NORMAN, OK 73071-7053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 440 ELMCREST DR, NORMAN, OK 73071-7053 |
| Document Number | R202416516 |
|---|---|
| Date | Jun 25, 2024 |
| Book Page | 6680/740 |
| Instrument | R 2024 16516 |
| Name | OU FCU |
|---|---|
| Type | Credit Union |
| Address | NORMAN, OK 73069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 6, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND OK |
| Recording Date | Jan 5, 2026 |
| Property Address | 440 ELMCREST DR, NORMAN, OK 73071-7053 |
| Document Number | 0000R20265 |
| Book / Page | 6904 / 337 |
| Instrument Date | Dec 30, 2025 |
| Instrument | R 2026 5 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $308.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 ELMCREST DR, NORMAN, OK 73071-7053 |
Source: Cleveland County assessment roll, as of October 1, 2025
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Cleveland County |
| Municipality | Norman City |
| Unified School District | Norman Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,511.00 (+3.42%) Homeowner's exemption | $13,595 (+3%) Land $2,555 Building $11,040 | $189,760 (+3.32%) Land $35,668 Building $154,092 |
| 2024 | $1,461.00 (+2.96%) Homeowner's exemption | $13,199 (+3%) Land $2,563 Building $10,636 | $183,655 (+71.98%) Land $35,668 Building $147,987 |
| 2023 | $1,419.00 Homeowner's exemption | $12,814 Land $3,000 Building $9,814 | $106,791 Land $25,000 Building $81,791 |
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.
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 | 3 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Jul 2013 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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