2804 Ridgeway St, Ardmore, OK 73401 Property Records

Carter County property record for 2804 Ridgeway St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,737 sqft · built 1984
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Nov 1998)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Aug 2007 Mortgage Jan 2010 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11453`

Property Details

APN / Parcel Number

Primary APN	`11453`
Alternative APN	`0465-00-001-019-0-001-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,737 sqft Living Area
1st Floor Area	2,737 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	480 sqft
Porch	Slab
Porch Area	90 sqft
Deck Area	240 sqft
Patio Area	121 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11453
Street Address	2804 RIDGEWAY ST
City	ARDMORE
State	OK
Zip	73401-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GALT #2, BLK 1 LOT 19 (100X200)
Legal Range	01E
Legal Township	04S
Legal Section	35
Legal Subdivision	GALT ADDN #2
Legal Block	1
Legal Lot Number	19
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2011
Census Tract	893001

Owner

2804 Ridgeway St is owned and occupied by two individuals who bought it in November 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	2804 RIDGEWAY ST, ARDMORE, OK 73401-2906
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
Aug 24, 2007	Deed of Trust, Mortgage CITIBANK NA
Jan 20, 2010	Deed of Trust, Mortgage · Conventional Mortgage METLIFE HOME LOANS
Jul 30, 2008	Deed of Trust, Mortgage · Conventional Mortgage BARRETT FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 1998 · Amount on File
Deed Sale	Nov 17, 1998 · Amount on File
Deed Book / Page	3332 / 292
Record Updated	Oct 29, 2026

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	2804 RIDGEWAY ST, ARDMORE, OK 73401-2906
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004703/295
Date	Aug 24, 2007
Book Page	4703/295
Instrument	2007-011844

Lender

Name	CITIBANK NA
Type	Bank
Address	LAS VEGAS, NV 89109

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2037

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	2804 RIDGEWAY ST, ARDMORE, OK 73401-2906
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005105/243
Date	Jan 20, 2010
Book Page	5105/243
Instrument	2010-000718

Lender

Name	METLIFE HOME LOANS
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2040

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	2804 RIDGEWAY ST, ARDMORE, OK 73401-2906
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004870/315
Date	Jul 30, 2008
Book Page	4870/315
Instrument	2008-010139

Lender

Name	BARRETT FINANCIAL SERVICES INC
Type	Non-Lending Institution
Address	ARDMORE, OK 73401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2804 Ridgeway St was $2,609 with a homeowner's exemption.

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		$30,377 (+3.19%) Land $4,136 Building $26,241	$253,142 (-19.39%) Land $34,469 Building $218,673
2025	$2,609.00 Homeowner's exemption	$29,438 (+3%) Land $4,016 Building $25,422	$314,046 (+0.54%) Land $35,000 Building $279,046
2024	$2,609.00 (+6.4%) Homeowner's exemption	$28,580 (+3%) Land $3,899 Building $24,681	$312,355 (+5.63%) Land $35,000 Building $277,355
2023	$2,452.00 Homeowner's exemption	$27,748 Land $3,871 Building $23,877	$295,695 Land $35,000 Building $260,695

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 2804 Ridgeway St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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

Wildfire risk around 2804 Ridgeway St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Oklahoma
Wildfire Likelihood	0.04% 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 76 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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