Carter County property record for 424 Elm St, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1955 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $349 (2025) |
| Deeds & Mortgages | Mar 2009 Mortgage Aug 2018 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0090-00-001-013-0-001-00 |
| Primary APN | 0090-00-001-013-0-001-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 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 | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 64 sqft |
| Patio Area | 60 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8232 |
|---|---|
| Street Address | 424 ELM ST |
| City | ARDMORE |
| State | OK |
| Zip | 73401-1741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | BRANTLEY, BLK 1 LOT 13 (60X120) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BRANTLEY ADDN |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 892601 |
Source: Carter County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 424 ELM ST, ARDMORE, OK 73401-1741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2009 | Deed of Trust, Mortgage CITIFINANCIAL SERVICES INC |
| Aug 2, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNICATION FCU |
| Jul 13, 2009 | Deed of Trust, Mortgage CITIFINANCIAL SERVICES INC |
| Jul 18, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 1997 |
| Deed Sale | Jul 31, 1997 |
| Deed Book / Page | 3173 / 91 |
| Last Transfer Date | Jul 18, 2018 |
| Transfer Doc | 006573/250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 424 ELM ST, ARDMORE, OK 73401-1741 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 004966/030 |
|---|---|
| Date | Mar 5, 2009 |
| Book Page | 4966/030 |
| Instrument | 2009-002371 |
| Name | CITIFINANCIAL SERVICES INC |
|---|---|
| Type | Subprime Lender |
| Address | ARDMORE, OK 73401 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Apr 16, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 424 ELM ST, ARDMORE, OK 73401-1741 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 006580/285 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 6580/285 |
| Instrument | 2018-008056 |
| Name | COMMUNICATION FCU |
|---|---|
| Type | Credit Union |
| Address | OKLAHOMA CITY, OK 73116 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 424 ELM ST, ARDMORE, OK 73401-1741 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 005022/061 |
|---|---|
| Date | Jul 13, 2009 |
| Book Page | 5022/061 |
| Instrument | 2009-007620 |
| Name | CITIFINANCIAL SERVICES INC |
|---|---|
| Type | Subprime Lender |
| Address | ARDMORE, OK 73401 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Aug 18, 2024 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Jul 18, 2018 |
| Property Address | 424 ELM ST, ARDMORE, OK 73401-1741 |
| Document Number | 006573/250 |
| Book / Page | 6573 / 250 |
| Instrument Date | Jul 18, 2018 |
| Instrument | 2018-007446 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 424 ELM ST, ARDMORE, OK 73401-1741 |
| Investor | Possibly a Property Investor |
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 | $4,631 (+3%) Land $614 Building $4,017 | $38,597 (-40.06%) Land $5,119 Building $33,478 | |
| 2025 | $349.00 Homeowner's exemption | $4,496 (+2.98%) Land $596 Building $3,900 | $64,392 (-8.65%) Land $10,000 Building $54,392 |
| 2024 | $349.00 (+9.06%) Homeowner's exemption | $4,366 (+3%) Land $579 Building $3,787 | $70,490 (-1.89%) Land $10,000 Building $60,490 |
| 2023 | $320.00 Homeowner's exemption | $4,239 Land $560 Building $3,679 | $71,846 Land $10,000 Building $61,846 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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