228 E St SW, Ardmore, OK 73401 Property Records

Carter County property record for 228 E St SW, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,300 sqft · built 1932
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jan 2020)
Tax Bill	$1,396 (2025)
Deeds & Mortgages	Apr 2012 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0010-00-423-005-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0010-00-423-005-0-001-00`
Alternative APN	`4269`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,300 sqft Living Area
1st Floor Area	1,972 sqft
2nd Floor Area	680 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	40 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	304 sqft
Porch	Slab
Porch Area	102 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4269
Street Address	228 E ST SW
City	ARDMORE
State	OK
Zip	73401-4945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ARDMORE LOTS & BLKS, BLK 423 LOT 5 S 50 W 40 (50X40) LOT 6 S 50 (50X100)
Legal Range	02E
Legal Township	04S
Legal Section	31
Legal Subdivision	ARDMORE CITY
Legal Block	423
Legal Lot Number	5,6
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2005
Census Tract	892900

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	Company Name on Record
Mailing Address	653 GATEWAY RD, ARDMORE, OK 73401-7526
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2012	Deed of Trust, Mortgage · Conventional Mortgage COMMUNICATION FCU
Nov 21, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANCFIRST
Jul 18, 2005	Deed of Trust, Mortgage · Conventional Mortgage BSM FINANCIAL LP
Jan 14, 2020	Warranty Deed, Transfer · Commercial Mortgage BANCFIRST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2020 · Amount on Record
Deed Sale	Jan 14, 2020 · Amount on Record
Prior Sale	Jul 18, 2005 · Amount on Record
Deed Document Number	2020420
Deed Book / Page	6828 / 36
Prior Transfer Date	Jul 13, 2005
Prior Transfer Doc	0000008229
Record Updated	Oct 29, 2026

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	228 E ST SW, ARDMORE, OK 73401-4945
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005496/117
Date	Apr 23, 2012
Book Page	5496/117
Instrument	2012-005341

Lender

Name	COMMUNICATION FCU
Type	Credit Union
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2027

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	228 E ST SW, ARDMORE, OK 73401-4945
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 GATEWAY RD, ARDMORE, OK 73401-7526

Mortgage

Document Number	0007457/42
Date	Nov 21, 2023
Book Page	7457/42
Instrument	I-2023-011432

Lender

Name	BANCFIRST
Type	Bank
Address	MADILL, OK 73446

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 15, 2043

Interest

Rate Type	Adjustable Rate

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	228 E ST SW, ARDMORE, OK 73401-4945
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004328/157
Date	Jul 18, 2005
Book Page	4328/157
Instrument	2005-008231

Lender

Name	BSM FINANCIAL LP
Type	Funding / Finance Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2020

Interest

Rate Type	Adjustable Rate
Index	1-Year LIBOR

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Jan 14, 2020
Property Address	228 E ST SW, ARDMORE, OK 73401-4945
Document Number	006828/036
Book / Page	6828 / 036
Instrument Date	Jan 8, 2020
Instrument	2020-000420
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	653 DATAWAY RD, ARDMORE, OK 73401

Mortgage

Document Number	2020000421
Date	Jan 14, 2020
Instrument	2020-000421

Lender

Name	BANCFIRST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 8, 2040

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	Ardmore Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$14,689 (+5%) Land $1,800 Building $12,889	$122,412 (-2.94%) Land $15,000 Building $107,412
2025	$1,396.00 (-0.07%)	$13,990 (+5.01%) Land $1,800 Building $12,190	$126,123 (-7.04%) Land $15,000 Building $111,123
2024	$1,397.00 (+11.4%)	$13,323 (+5%) Land $1,800 Building $11,523	$135,669 (+8.9%) Land $15,000 Building $120,669
2023	$1,254.00	$12,689 Land $1,800 Building $10,889	$124,586 Land $15,000 Building $109,586

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 Claims	1 (2015)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 500 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband, Arbuckle Communications.

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