Carter County property record for 413 Elm St, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 944 sqft · built 1955 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Company Name on File |
| Last Sale | $37,500 (Mar 2016) |
| Tax Bill | $690 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jan 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0090-00-002-024-0-001-00 |
| Primary APN | 0090-00-002-024-0-001-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 944 sqft Living Area |
| 1st Floor Area | 920 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 130 ft deep x 60 ft wide |
| Garage Type | Carport |
| Garage Area | 288 sqft |
| Carport | Carport |
| Carport Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Shed | 1 Shed |
| Shed Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8298 |
|---|---|
| Street Address | 413 ELM ST |
| City | ARDMORE |
| State | OK |
| Zip | 73401-1740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BRANTLEY, BLK 2 LOT 24 (60X130) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BRANTLEY ADDN |
| Legal Block | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 892601 |
413 Elm St is owned by a company that bought it in March 2016.
Source: Carter County records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1405 4TH AVE NW, ARDMORE, OK 73401-2708 |
| 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 |
|---|---|
| Jul 16, 2018 | Deed of Trust, Mortgage · Commercial Mortgage BANCFIRST |
| Jan 23, 2023 | Deed of Trust, Mortgage · Commercial Mortgage BANCFIRST |
| Mar 18, 2016 | Warranty Deed, Transfer · Commercial Mortgage BANCFIRST |
| Jan 28, 2005 | Correction Deed · FHA Mortgage REALTY MORTGAGE CORP |
| Jan 25, 2005 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2016 · Amount on File |
| Deed Sale | Mar 18, 2016 · Amount on File |
| Prior Sale | Jan 28, 2005 |
| Deed Document Number | 20163336 |
| Deed Book / Page | 6221 / 285 |
| Prior Transfer Date | Jan 25, 2005 |
| Prior Transfer Doc | 004252/009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 413 ELM ST, ARDMORE, OK 73401-1740 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006571/293 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 6571/293 |
| Instrument | 2018-007273 |
| Name | BANCFIRST |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 7, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 413 ELM ST, ARDMORE, OK 73401-1740 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1114 SURREY DR, ARDMORE, OK 73401-3467 |
| Document Number | 007337/236 |
|---|---|
| Date | Jan 23, 2023 |
| Book Page | 7337/236 |
| Instrument | I-2023-000642 |
| Name | BANCFIRST |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 7, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Mar 18, 2016 |
| Property Address | 413 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 006221/285 |
| Book / Page | 6221 / 285 |
| Instrument Date | Mar 16, 2016 |
| Instrument | 2016-003336 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1405 4TH AVE NW # 132, ARDMORE, OK 73401-2708 |
| Document Number | 2016003337 |
|---|---|
| Date | Mar 18, 2016 |
| Instrument | 2016-003337 |
| Name | BANCFIRST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 30, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Jan 28, 2005 |
| Property Address | 413 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 004252/009 |
| Book / Page | 4252 / 009 |
| Instrument Date | Jan 25, 2005 |
| Instrument | 2005-001036 |
| Record Updated | Jan 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2005000925 |
|---|---|
| Date | Jan 28, 2005 |
| Instrument | 2005-000925 |
| Name | REALTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Jan 25, 2005 |
| Property Address | 413 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 004250/273 |
| Book / Page | 4250 / 273 |
| Instrument Date | Jan 21, 2005 |
| Instrument | 2005-000924 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $52.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 413 Elm St was $690.
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 | $7,260 (+5%) Land $1,108 Building $6,152 | $60,499 (-2.49%) Land $9,233 Building $51,266 | |
| 2025 | $690.00 | $6,914 (+9.19%) Land $1,055 Building $5,859 | $62,042 (-4.79%) Land $10,000 Building $52,042 |
| 2024 | $690.00 (+15.77%) | $6,332 (+5.01%) Land $1,005 Building $5,327 | $65,161 (-2.54%) Land $10,000 Building $55,161 |
| 2023 | $596.00 | $6,030 Land $965 Building $5,065 | $66,861 Land $10,000 Building $56,861 |
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 413 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 20, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 413 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 519 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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