224 Laredo St, Ardmore, OK 73401 Property Records

Carter County property record for 224 Laredo St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,005 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Oct 2021)
Tax Bill	$3,283 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25781`

Property Details

APN / Parcel Number

Primary APN	`25781`
Alternative APN	`2055-00-002-007-0-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,005 sqft Living Area
1st Floor Area	2,005 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
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	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	246 sqft
Shed	1 Shed
Shed Area	120 sqft
Greenhouse	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25781
Street Address	224 LAREDO ST
City	ARDMORE
State	OK
Zip	73401-8764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CHAPARRAL WEST, BLK 2 LOTS 7 & 8 (132X165)
Legal Range	01E
Legal Township	04S
Legal Section	31
Legal Subdivision	CHAPARRAL WEST
Legal Block	2
Legal Lot Number	7,8
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	1
Census Block	1007
Census Tract	892502

Owner

224 Laredo St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	224 LAREDO ST, ARDMORE, OK 73401-8764
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
Oct 18, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jul 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK & TRUST CO
Aug 31, 2017	Intrafamily Transfer, Transfer · FHA Mortgage 1ST CAPITAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on File
Deed Sale	Oct 18, 2021 · Amount on File
Prior Sale	Aug 31, 2017
Deed Document Number	202111596
Deed Book / Page	7124 / 302
Prior Transfer Date	Jun 19, 2017
Prior Transfer Doc	006442/015
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Oct 18, 2021
Property Address	224 LAREDO ST, ARDMORE, OK 73401-8764
Document Number	7124/302
Book / Page	7124 / 302
Instrument Date	Oct 7, 2021
Instrument	2021-011596
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	STEWART TITLE, STEWART TITLE OF OK INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	224 LAREDO ST, LONE GROVE, OK 73443

Mortgage

Document Number	2021011597
Date	Oct 18, 2021
Instrument	2021-011597

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	224 LAREDO ST, ARDMORE, OK 73401-8764
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6422/305
Date	Jul 24, 2017
Book Page	6422/305
Instrument	2017-007524

Lender

Name	FIRST BANK & TRUST CO
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	Dec 28, 2017

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARTER OK
Recording Date	Aug 31, 2017
Property Address	224 LAREDO ST, ARDMORE, OK 73401-8764
Document Number	006442/015
Book / Page	6442 / 015
Instrument Date	Jun 19, 2017
Instrument	2017-009070
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	TITLE 68

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1498, LONE GROVE, OK 73443-1498

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LAREDO ST, ARDMORE, OK 73401-8764

Mortgage

Document Number	2017009071
Date	Aug 31, 2017
Instrument	2017-009071

Lender

Name	1ST CAPITAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 224 Laredo St was $3,283.

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		$31,501 (+0.27%) Land $4,200 Building $27,301	$262,500 (+0.27%) Land $34,998 Building $227,502
2025	$3,283.00 (-0.03%)	$31,415 (-1.06%) Land $4,200 Building $27,215	$261,788 (-1.06%) Land $34,998 Building $226,790
2024	$3,284.00 (+3.47%)	$31,751 (+5%) Land $3,600 Building $28,151	$264,594 (+4.62%) Land $30,000 Building $234,594
2023	$3,174.00	$30,240 Land $3,600 Building $26,640	$252,907 Land $30,000 Building $222,907

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 224 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 224 Laredo St is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 80% of Oklahoma
Wildfire Likelihood	0.1% 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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