104 Spruce St, Ardmore, OK 73401 Property Records

Carter County property record for 104 Spruce St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,354 sqft · built 1987
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,500 (May 2010)
Tax Bill	$1,628 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13911`

Property Details

APN / Parcel Number

Primary APN	`13911`
Alternative APN	`9040-00-003-003-0-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,354 sqft Living Area
1st Floor Area	1,354 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	150 ft deep x 217 ft wide
Garage Type	Mixed
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Shed	1 Shed
Shed Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	13911
Street Address	104 SPRUCE ST
City	ARDMORE
State	OK
Zip	73401-7081
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CEDAR RIDGE, BLK 3 LOT 3 (217.8X150)
Legal Range	02E
Legal Township	04S
Legal Section	35
Legal Subdivision	CEDAR RIDGE ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3038
Census Tract	892700

Owner

Source: Carter County records, as of September 23, 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	2 Individual Names on Record
Mailing Address	104 SPRUCE ST, ARDMORE, OK 73401-7081
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2010 · Amount on Record
Deed Sale	May 24, 2010 · Amount on Record
Deed Document Number	20106087
Deed Book / Page	5159 / 171
Prior Transfer Date	May 21, 2010
Prior Transfer Doc	005159/171
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	104 SPRUCE ST, ARDMORE, OK 73401-7081
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	OKLAHOMA LAND TITLE SERVICES LLC, OKLAHOMA LAND TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPRUCE ST, ARDMORE, OK 73401-7081

Mortgage

Document Number	007817/293
Date	Dec 17, 2025
Book Page	7817/293
Instrument	I-2025-013488

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Carter County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Carter County
Unified School District	Dickson Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$17,421 (+3%) Land $813 Building $16,608	$145,172 (-33.6%) Land $6,775 Building $138,397
2025	$1,628.00 (-0.06%) Homeowner's exemption	$16,913 (+3%) Land $789 Building $16,124	$218,646 (-0.38%) Land $9,999 Building $208,647
2024	$1,629.00 (+5.51%) Homeowner's exemption	$16,420 (+3%) Land $766 Building $15,654	$219,489 (+8.77%) Land $9,999 Building $209,490
2023	$1,544.00 Homeowner's exemption	$15,942 Land $745 Building $15,197	$201,800 Land $9,999 Building $191,801

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

Source: FEMA National Flood Hazard Layer, effective October 20, 2014 · 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	Dec 2015 · 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

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

Wildfire Risk	Moderate above 57% of the US · lower than 80% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHERN OKLA WATER CORP serves 11,250 people · EPA ID OK1010830
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026 Turbidity resolved · May 2025
Treatment and Procedure	Organic carbon removal Apr 2026
Monitoring and Reporting	None 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20