2028 Cloverleaf Pl, Ardmore, OK 73401 Property Records

Carter County property record for 2028 Cloverleaf Pl, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,819 sqft · built 1961
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,175 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2005 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12148`

Property Details

APN / Parcel Number

Primary APN	`12148`
Alternative APN	`1990-36-04S-01E-3-014-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,819 sqft Living Area
1st Floor Area	1,819 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.72 acres)
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	315 sqft
Shed	1 Shed
Shed Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	12148
Street Address	2028 CLOVERLEAF PL
City	ARDMORE
State	OK
Zip	73401-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	E 150 W 304.62 S 208.72 N 443.44 S/2 NE SW- 36 04S 01E
Legal Range	01E
Legal Township	04S
Legal Section	36
Legal Subdivision	ARDMORE CITY TRACTS
Legal Block	4S
Legal Lot Number	1E
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2021
Census Tract	893001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	207 W MAIN ST, ARDMORE, OK 73401-6315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Line of Credit GREAT OAKS BANK
Aug 29, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 18, 2022
Transfer Doc	0000009343
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	2028 CLOVERLEAF PL, ARDMORE, OK 73401-3417
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007223/236
Date	May 10, 2022
Book Page	7223/236
Instrument	I-2022-005298

Lender

Name	GREAT OAKS BANK
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	2028 CLOVERLEAF PL, ARDMORE, OK 73401-3417
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004349/110
Date	Aug 29, 2005
Book Page	4349/110
Instrument	2005-010187

Lender

Name	FIRST BANK & TRUST CO
Type	Non-Lending Institution
Address	DUNCAN, OK 73533

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2015

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$14,229 (+3%) Land $2,500 Building $11,729	$118,574 (-30.59%) Land $20,833 Building $97,741
2025	$1,175.00 (+12.87%) Homeowner's exemption	$13,815 (+11.73%) Land $2,500 Building $11,315	$170,842 (-8.02%) Land $20,833 Building $150,009
2023	$1,041.00 Homeowner's exemption	$12,365 Land $2,500 Building $9,865	$185,733 Land $20,833 Building $164,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2024 · 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	Low lower than 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% 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	ARDMORE serves 24,893 people · EPA ID OK1010814
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

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, 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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