187 Laredo St, Ardmore, OK 73401 Property Records

Carter County property record for 187 Laredo St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,071 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2018)
Tax Bill	$3,087 (2025)
Deeds & Mortgages	Jun 2025 Transfer Jun 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76551`

Property Details

APN / Parcel Number

Primary APN	`76551`
Alternative APN	`2055-00-001-005-0-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,071 sqft Living Area
1st Floor Area	2,071 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	76551
Street Address	187 LAREDO ST
City	ARDMORE
State	OK
Zip	73401-9320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CHAPARRAL WEST, BLK 1 LOT 5 (132X165)LOT 4 (132X165)
Legal Range	01E
Legal Township	04S
Legal Section	31
Legal Subdivision	CHAPARRAL WEST
Legal Block	1
Legal Lot Number	4,5
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	1
Census Block	1007
Census Tract	892502

Owner

187 Laredo St is owned and occupied by two individuals who acquired it in June 2025.

Source: Carter County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	187 LAREDO ST, ARDMORE, OK 73401-9320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 18, 2025	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO
Jun 18, 2025	Correction Deed · Conventional Mortgage COMMUNICATION FCU
Jul 24, 2018	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Prior Sale	Sep 7, 2005 · Amount on File
Deed Document Number	20187746
Deed Book / Page	6576 / 190
Last Transfer Date	Jun 10, 2025
Transfer Doc	007718/311
Record Updated	Oct 29, 2026

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTER OK
Recording Date	Jun 18, 2025
Property Address	187 LAREDO ST, ARDMORE, OK 73401-9320
Document Number	007718/311
Book / Page	7718 / 311
Instrument Date	Jun 10, 2025
Instrument	I-2025-006493
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE OKLAHOMA CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	187 LAREDO ST, ARDMORE, OK 73401-9320

June 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	CARTER OK
Recording Date	Jun 18, 2025
Property Address	187 LAREDO ST, ARDMORE, OK 73401-9320
Document Number	007718/289
Book / Page	7718 / 289
Instrument Date	Jun 5, 2025
Instrument	I-2025-006491
Record Updated	Jan 15, 2026
Title Company	CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	I2025006492
Date	Jun 18, 2025
Instrument	I-2025-006492

Lender

Name	COMMUNICATION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Jul 24, 2018
Property Address	187 LAREDO ST, ARDMORE, OK 73401-9320
Document Number	006576/190
Book / Page	6576 / 190
Instrument Date	Jul 23, 2018
Instrument	2018-007746
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
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	187 LAREDO ST, ARDMORE, OK 73401-9320

Mortgage

Document Number	2018007747
Date	Jul 24, 2018
Instrument	2018-007747

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 187 Laredo St was $3,087.

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	Carter County
Municipality	Lone Grove City
Unified School District	Lone Grove Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$31,017 (+5%) Land $3,969 Building $27,048	$258,474 (-14.43%) Land $33,075 Building $225,399
2025	$3,087.00 (-0.03%)	$29,539 (+5%) Land $3,780 Building $25,759	$302,048 (-0.88%) Land $34,998 Building $267,050
2024	$3,088.00 Homeowner's exemption	$28,133 (+3%) Land $3,600 Building $24,533	$304,734 (+6.21%) Land $30,000 Building $274,734
2023	Homeowner's exemption	$27,314 Land $3,600 Building $23,714	$286,910 Land $30,000 Building $256,910

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 187 Laredo St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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 Policies	8 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 187 Laredo St is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · lower than 69% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	LONE GROVE serves 4,863 people · EPA ID OK2001007
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) 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	7 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Chickasaw Telephone Company Fiber	1,000 / 500
Sparklight Cable	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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