311 Willard Rd, Ardmore, OK 73401 Property Records

Carter County property record for 311 Willard Rd, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,487 sqft · built 2005
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on Record
Last Sale	$271,000 (Dec 2017)
Tax Bill	$3,788 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`59228`

Property Details

APN / Parcel Number

Primary APN	`59228`
Alternative APN	`6490-27-04S-03E-3-016-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,487 sqft Living Area
2nd Floor Area	390 sqft

Exterior

Year Built	Built 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Mixed
Garage Area	530 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	320 sqft
Deck Area	561 sqft
Poultry House	96 sqft
Utility Building	1,600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	59228
Street Address	311 WILLARD RD
City	ARDMORE
State	OK
Zip	73401-8573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 165 E 396 S/2 SW SE SW-LESS .09AC TO COUNTY RD- 27 04S 03E
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	1
Census Block	1024
Census Tract	892700

Owner

Source: Carter County records, as of January 26, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	311 WILLARD RD, ARDMORE, OK 73401-8573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 16, 2019	Joint Tenancy Deed, Transfer · VA Mortgage FIRST UNITED BANK & TRUST CO
Dec 19, 2017	Special Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2017 · Amount on Record
Deed Sale	Dec 19, 2017 · Amount on Record
Prior Sale	Dec 19, 2017 · Amount on Record
Deed Document Number	006486/168
Deed Book / Page	6486 / 168
Last Transfer Date	Apr 16, 2019
Transfer Doc	006704/012
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	311 WILLARD RD, ARDMORE, OK 73401-8573
Transaction Type	Mortgage
Record Updated	Oct 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7116/287
Date	Oct 1, 2021
Book Page	7116/287
Instrument	2021-010929

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	311 WILLARD RD, ARDMORE, OK 73401-8573
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 WILLARD RD, ARDMORE, OK 73401-8573

Mortgage

Document Number	6944/72
Date	Oct 13, 2020
Book Page	6944/72
Instrument	2020-011014

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2019: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	CARTER OK
Recording Date	Apr 16, 2019
Property Address	311 WILLARD RD, ARDMORE, OK 73401-8573
Document Number	006704/012
Book / Page	6704 / 012
Instrument Date	Apr 12, 2019
Instrument	2019-004361
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	STEWART TITLE, STEWART TITLE OF OK INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$439.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	311 WILLARD RD, ARDMORE, OK 73401-8573
Investor	Possibly a Property Investor

Mortgage

Document Number	2019004362
Date	Apr 16, 2019
Instrument	2019-004362

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Dec 19, 2017
Property Address	311 WILLARD RD, ARDMORE, OK 73401-8573
Document Number	006486/168
Book / Page	6486 / 168
Instrument Date	Dec 4, 2017
Instrument	2017-013224
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	STEWART TITLE, STEWART TITLE OF OKLAHOMA IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7161 BISHOP RD STE 250, 7161, PLANO, TX 75024-3651

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	311 WILLARD RD, ARDMORE, OK 73401-8573

Mortgage

Document Number	2017013225
Date	Dec 19, 2017
Instrument	2017-013225

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Carter County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Oklahoma
County	Carter County
Municipality	Dickson Town
Unified School District	Dickson Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,788.00 (-0.03%) Homeowner's exemption	$38,021 (+3%) Land $3,600 Building $34,421	$419,894 (+4.77%) Land $30,000 Building $389,894
2024	$3,789.00 (+5.28%) Homeowner's exemption	$36,913 (+3%) Land $3,600 Building $33,313	$400,792 (+8.85%) Land $30,000 Building $370,792
2023	$3,599.00 Homeowner's exemption	$35,838 Land $3,600 Building $32,238	$368,205 Land $30,000 Building $338,205

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

Source: FEMA National Flood Hazard Layer, effective October 20, 2014

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 73% of the US · lower than 60% of Oklahoma
Wildfire Likelihood	0.3% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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