Carter County property record for 109 E St NE, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,324 sqft · built 1935 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,000 (Oct 2022) |
| Tax Bill | $1,162 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage May 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0010-00-309-003-0-005-00 |
| Primary APN | 0010-00-309-003-0-005-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,324 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.189 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 92 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2989 |
|---|---|
| Street Address | 109 E ST NE |
| City | ARDMORE |
| State | OK |
| Zip | 73401-7827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ARDMORE LOTS & BLKS, BLK 309 LOT 3 N 13.9 E 50 (IRREGULAR) LOT 4 S 50 (50X150X50X150) |
| Legal Subdivision | ARDMORE CITY |
| Legal Block | 309 |
| Legal Lot Number | 3,4 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 892801 |
Source: Carter County records · APN 0010-00-309-003-0-005-00
Assessment roll updated October 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 E ST NE, ARDMORE, OK 73401-7827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 03, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST CO |
| May 02, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK & TRUST CO |
| May 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 03, 2022 · Amount on Record |
| Deed Sale | Oct 03, 2022 · Amount on Record |
| Prior Sale | May 29, 2020 · Amount on Record |
| Deed Document Number | I-2022-010994 |
| Deed Book / Page | 7291 / 92 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Oct 03, 2022 |
| Property Address | 109 E ST NE, ARDMORE, OK 73401-7827 |
| Document Number | 0007291/92 |
| Book / Page | 7291 / 92 |
| Instrument Date | Sep 29, 2022 |
| Instrument | I-2022-010994 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $148.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 E ST NE, ARDMORE, OK 73401-7827 |
| Document Number | I2022010995 |
|---|---|
| Date | Oct 03, 2022 |
| Instrument | I-2022-010995 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 109 E ST NE, ARDMORE, OK 73401-7827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 6390/006 |
|---|---|
| Date | May 02, 2017 |
| Book Page | 6390/006 |
| Instrument | 2017-004468 |
| Name | CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 30, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | May 29, 2020 |
| Property Address | 109 E ST NE, ARDMORE, OK 73401-7827 |
| Document Number | 0006885/24 |
| Book / Page | 6885 / 24 |
| Instrument Date | May 21, 2020 |
| Instrument | 2020-005833 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3716 CARMEL HILLS DR, DENTON, TX 76208-6042 |
| Document Number | 2020005834 |
|---|---|
| Date | May 29, 2020 |
| Instrument | 2020-005834 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2035 |
Source: Carter County records · Assessment roll updated October 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Carter County |
| Municipality | Ardmore City |
| Unified School District | Ardmore Public Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,162.00 (-0.94%) | $11,649 (-1.94%) Land $900 Building $10,749 | $97,075 (-1.94%) Land $7,500 Building $89,575 |
| 2023 | $1,173.00 | $11,880 Land $900 Building $10,980 | $99,000 Land $7,500 Building $91,500 |
Source: FEMA National Flood Hazard Layer, Carter County (40019C), as of October 20, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Dobson Technologies Fiber | 10,000 / 10,000 |
| Cable One Cable | 1,000 / 50 |
| Arbuckle Communications Fixed Wireless | 400 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 390 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system OK1010814, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ARDMORE serves 24,893 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · May 2024 Treatment failure resolved · Jan 2018 |
|---|---|
| Treatment and Procedure | Organic carbon removal Jan 2021 |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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