321 Howard St, Ardmore, OK 73401 Property Records

Carter County property record for 321 Howard St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,858 sqft · built 1999
Lot Size	4.94 acres (215,622 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2018)
Tax Bill	$3,238 (2023)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25913`

Property Details

APN / Parcel Number

Primary APN	`25913`
Alternative APN	`2210-00-001-019-0-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,858 sqft Living Area

Exterior

Year Built	Built 1999
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	215,622 sqft (4.94 acres)
Garage Type	Mixed
Garage Area	1,304 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	363 sqft
Deck Area	352 sqft
Patio Area	77 sqft
Shed	1 Shed
Shed Area	144 sqft
Storage Building	1,200 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25913
Street Address	321 HOWARD ST
City	ARDMORE
State	OK
Zip	73401-8273
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MUSE-HESS, BLK 1 LOT 19 W 320 LESS N 120 (320X632.32) LOT 19 E 40 W 360 N 460 LESS N 120 (40X340)
Legal Subdivision	MUSE-HESS ADDN
Legal Block	1
Legal Lot Number	19
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3018
Census Tract	892502

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	321 HOWARD ST, ARDMORE, OK 73401-8273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jul 6, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 19, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 19, 2018 · Amount on Record
Deed Sale	Mar 19, 2018 · Amount on Record
Prior Sale	Apr 4, 2008 · Amount on Record
Deed Document Number	2018-002936
Deed Book / Page	6522 / 250
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	321 HOWARD ST, ARDMORE, OK 73401-8273
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	CHICAGO TITLE OK, CHICAGO TITLE OKLAHOMA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7091/193
Date	Aug 17, 2021
Book Page	7091/193
Instrument	2021-008948

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	321 HOWARD ST, ARDMORE, OK 73401-8273
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OKLAHOMA SECURED TITLE OKC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6899/206
Date	Jul 6, 2020
Book Page	6899/206
Instrument	2020-007172

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Mar 19, 2018
Property Address	321 HOWARD ST, ARDMORE, OK 73401-8273
Document Number	006522/250
Book / Page	6522 / 250
Instrument Date	Mar 7, 2018
Instrument	2018-002936
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	STEWART TITLE, STEWART TITLE OF OKLAHOMA IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018002937
Date	Mar 19, 2018
Instrument	2018-002937

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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	Lone Grove City
Unified School District	Lone Grove Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$32,729 (+6.09%) Land $4,264 Building $28,465	$307,244 (+6.57%) Land $50,000 Building $257,244
2023	$3,238.00	$30,850 Land $4,140 Building $26,710	$288,301 Land $34,500 Building $253,801

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 · 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	3 in force

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	High above 71% of the US · lower than 63% of Oklahoma
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Chickasaw Holding Company Fiber	1,000 / 500
Cable One Cable	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100

May also be available: 360 Communications, Inc. (OK, AR & TX).

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