Carter County property record for 411 Locust St, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1955 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Company Name on File |
| Last Sale | $63,000 (Mar 2022) |
| Tax Bill | $819 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Mar 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0090-00-009-006-0-001-00 |
| Primary APN | 0090-00-009-006-0-001-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 64 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8478 |
|---|---|
| Street Address | 411 LOCUST ST |
| City | ARDMORE |
| State | OK |
| Zip | 73401-1772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BRANTLEY, BLK 9 LOT 6 (124.72X71X138.67X57) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BRANTLEY ADDN |
| Legal Block | 9 |
| Legal Lot Number | 6 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 892601 |
411 Locust St is owned by a company that bought it in March 2022.
Source: Carter County records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 343 SONGBIRD TRL, ARDMORE, OK 73401-9321 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 10, 2023 | Deed of Trust, Mortgage · Line of Credit BANCFIRST |
| Mar 14, 2022 | Warranty Deed, Transfer · Commercial Mortgage BANCFIRST |
| May 1, 2019 | Warranty Deed, Transfer AMERICAN NATION BANK |
| Apr 12, 2006 | Joint Tenancy Deed, Transfer · Conventional Mortgage WILMINGTON FINANCE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2022 · Amount on File |
| Deed Sale | Mar 14, 2022 · Amount on File |
| Prior Sale | May 1, 2019 · Amount on File |
| Deed Document Number | 20222710 |
| Deed Book / Page | 7193 / 40 |
| Prior Transfer Date | Apr 11, 2006 |
| Prior Transfer Doc | 004453/099 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 411 LOCUST ST, ARDMORE, OK 73401-1772 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0007333/13 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 7333/13 |
| Instrument | I-2023-000223 |
| Name | BANCFIRST |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 7, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Mar 14, 2022 |
| Property Address | 411 LOCUST ST, ARDMORE, OK 73401-1772 |
| Document Number | 0007193/40 |
| Book / Page | 7193 / 40 |
| Instrument Date | Mar 11, 2022 |
| Instrument | I-2022-002710 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $94.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 343 SONGBIRD TRL, ARDMORE, OK 73401-9321 |
| Investor | Possibly a Property Investor |
| Document Number | I2022002711 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | I-2022-002711 |
| Name | BANCFIRST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 11, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | May 1, 2019 |
| Property Address | 411 LOCUST ST, ARDMORE, OK 73401-1772 |
| Document Number | 006712/169 |
| Book / Page | 6712 / 169 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 2019-005176 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | GUARANTY ABSTRACT COMPANY, GUARANTY ABSTRACT CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 AKRON ST, ARDMORE, OK 73401-1604 |
| Investor | Possibly a Property Investor |
| Document Number | 2019005177 |
|---|---|
| Date | May 1, 2019 |
| Instrument | 2019-005177 |
| Name | AMERICAN NATION BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Joint Tenancy Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Apr 12, 2006 |
| Property Address | 411 LOCUST ST, ARDMORE, OK 73401-1772 |
| Document Number | 004453/099 |
| Book / Page | 4453 / 099 |
| Instrument Date | Apr 11, 2006 |
| Instrument | 2006-004367 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Investor | Possibly a Property Investor |
| Document Number | 2006004368 |
|---|---|
| Date | Apr 12, 2006 |
| Instrument | 2006-004368 |
| Name | WILMINGTON FINANCE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2036 |
The 2025 property tax bill for 411 Locust St was $819.
Source: Carter County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Carter County |
| Municipality | Ardmore City |
| Unified School District | Ardmore Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,616 (+5%) Land $1,200 Building $7,416 | $71,805 (-8.39%) Land $10,000 Building $61,805 | |
| 2025 | $819.00 | $8,206 (+5%) Land $1,200 Building $7,006 | $78,382 (+20.35%) Land $10,000 Building $68,382 |
| 2024 | $819.00 (+9.64%) | $7,815 (+3.37%) Land $1,200 Building $6,615 | $65,130 (+3.38%) Land $10,000 Building $55,130 |
| 2023 | $747.00 | $7,560 Land $1,200 Building $6,360 | $63,000 Land $10,000 Building $53,000 |
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.
FEMA maps place 411 Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 411 Locust St is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 77% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 34 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 |
| Verizon Fixed Wireless | 300 / 20 |
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