539 Elmcrest Dr, Norman, OK 73071 Property Records

Cleveland County property record for 539 Elmcrest Dr, Norman, OK 73071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,978 sqft · built 1977
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 2025)
Tax Bill	$2,535 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NC29WODE6 10 11001`

Property Details

APN / Parcel Number

Primary APN	`NC29WODE6 10 11001`
Alternative APN	`50628`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,978 sqft Living Area
1st Floor Area	1,978 sqft
Safe Room	Safe Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	10,454 sqft (0.239 acres)
Garage Type	Attached
Garage Area	528 sqft
Porch	Porch
Porch Area	32 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	50628
Old Parcel Number	50628
Street Address	539 ELMCREST DR
City	NORMAN
State	OK
Zip	73071-7055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODCREST ESTATES 6 LOT 11 BLK 10
Legal Range	02W
Legal Township	09N
Legal Section	17
Legal Quarter	NW
Legal Subdivision	WOODCREST ESTATES 6
Legal Block	10
Legal Lot Number	11
Jurisdiction	CLEVELAND OK
Township / Civil Division	NORMAN
Census Block Group	5
Census Block	5000
Census Tract	201403

Owner

539 Elmcrest Dr is owned and occupied by an individual who bought it in November 2025.

Source: Cleveland County records, as of February 6, 2026

Owner of Record	Individual Name on File
Mailing Address	539 ELMCREST DR, NORMAN, OK 73071-7055
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, 2025	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK
Nov 4, 2020	Deed of Trust, Construction Loan · Construction Mortgage HUD-HOUSING/URBAN DEV
Dec 5, 2019	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2025 · Amount on File
Deed Sale	Nov 7, 2025 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Document Number	R 2025 32153
Deed Book / Page	6882 / 109
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND OK
Recording Date	Nov 7, 2025
Property Address	539 ELMCREST DR, NORMAN, OK 73071-7055
Document Number	R202532153
Book / Page	6882 / 109
Instrument Date	Oct 18, 2025
Instrument	R 2025 32153
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITAN TITLE AND CLOSING LLC, TITAN TTL & CLOSING NORMAN L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 ELMCREST DR, NORMAN, OK 73071-7055

Mortgage

Document Number	R202532154
Date	Nov 7, 2025
Instrument	R 2025 32154

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CLEVELAND OK
Recording Date	Nov 4, 2020
Property Address	539 ELMCREST DR, NORMAN, OK 73071-7055
Document Number	0000040114
Book / Page	006140 / 001078
Instrument Date	Oct 28, 2020
Instrument	40114
Transaction Type	Construction Loan
Record Updated	Nov 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	539 ELMCREST DR NORMAN OK 730717055, NORMAN, OK 73071-7055

Mortgage

Document Number	0000040114
Date	Nov 4, 2020
Book Page	006140/001078
Instrument	40114

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CLEVELAND OK
Recording Date	Dec 5, 2019
Property Address	539 ELMCREST DR, NORMAN, OK 73071-7055
Document Number	0000038921
Book / Page	005998 / 000230
Instrument Date	Nov 27, 2019
Instrument	38921
Transaction Type	Transfer
Record Updated	Dec 23, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	539 ELMCREST DR NORMAN OK 730717055, NORMAN, OK 73071-7055

Mortgage

Document Number	38922
Date	Dec 5, 2019
Book Page	005998/000231
Instrument	38922

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 539 Elmcrest Dr was $2,535, up 5.2% from the year before.

Source: Cleveland County assessment roll, as of October 1, 2025

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	$2,535.00 (+5.19%)	$21,128 (+5%) Land $3,368 Building $17,760	$229,388 (+2.8%) Land $36,573 Building $192,815
2024	$2,410.00 (+4.74%)	$20,121 (+5%) Land $3,297 Building $16,824	$223,150 (+39.73%) Land $36,573 Building $186,577
2023	$2,301.00	$19,163 Land $3,000 Building $16,163	$159,699 Land $25,000 Building $134,699

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 539 Elmcrest Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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
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.

Wildfire

Wildfire risk around 539 Elmcrest Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Oklahoma
Wildfire Likelihood	Under 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 557 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

May also be available: Optimum.

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