Carter County property record for 25 Spruce St, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,269 sqft · built 1987 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,000 (Oct 2022) |
| Tax Bill | $2,353 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage May 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 13908 |
| Primary APN | 13908 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,269 sqft Living Area |
| 1st Floor Area | 1,269 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 33,541 sqft (0.77 acres) |
| Lot Dimensions | 150 ft deep x 223 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 205 sqft |
| Shed | 1 Shed |
| Shed Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 13908 |
|---|---|
| Street Address | 25 SPRUCE ST |
| City | ARDMORE |
| State | OK |
| Zip | 73401-7075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CEDAR RIDGE, BLK 2 LOT 5 (223.1X150) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 35 |
| Legal Subdivision | CEDAR RIDGE ADDN |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 892700 |
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 | 25 SPRUCE ST, ARDMORE, OK 73401-7075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage 1ST CAPITAL MORTGAGE LLC |
| May 29, 2020 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2022 · Amount on Record |
| Deed Sale | Oct 27, 2022 · Amount on Record |
| Deed Document Number | 202212012 |
| Deed Book / Page | 7302 / 20 |
| Prior Transfer Date | May 28, 2020 |
| Prior Transfer Doc | 006885/155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Oct 27, 2022 |
| Property Address | 25 SPRUCE ST, ARDMORE, OK 73401-7075 |
| Document Number | 0007302/20 |
| Book / Page | 7302 / 20 |
| Instrument Date | Oct 26, 2022 |
| Instrument | I-2022-012012 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 25 SPRUCE ST, ARDMORE, OK 73401-7075 |
| Document Number | I2022012013 |
|---|---|
| Date | Oct 27, 2022 |
| Instrument | I-2022-012013 |
| Name | 1ST CAPITAL MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | May 29, 2020 |
| Property Address | 25 SPRUCE ST, ARDMORE, OK 73401-7075 |
| Document Number | 006885/155 |
| Book / Page | 6885 / 155 |
| Instrument Date | May 28, 2020 |
| Instrument | 2020-005859 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 SPRUCE ST, 25, ARDMORE, OK 73401-7075 |
| Name | Verified Name |
|---|---|
| Address | 3981 FOXDEN RD, ARDMORE, OK 73401-7750 |
Source: Carter County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Carter County |
| Unified School District | Dickson Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $22,155 (-3.64%) Land $1,200 Building $20,955 | $184,621 (-3.64%) Land $9,999 Building $174,622 | |
| 2025 | $2,353.00 | $22,993 (+3.68%) Land $1,200 Building $21,793 | $191,601 (-0.73%) Land $9,999 Building $181,602 |
| 2024 | $2,353.00 (+7.84%) | $22,176 (+5%) Land $968 Building $21,208 | $193,003 (+9.66%) Land $9,999 Building $183,004 |
| 2023 | $2,182.00 | $21,120 Land $720 Building $20,400 | $176,000 Land $6,000 Building $170,000 |
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.
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 | Dec 2015 · 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.
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 | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHERN OKLA WATER CORP serves 11,250 people · EPA ID OK1010830 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026 Turbidity resolved · May 2025 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Arbuckle Communications Fixed Wireless | 400 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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