Carter County property record for 427 Elm St, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,012 sqft · built 1955 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Dec 2022) |
| Tax Bill | $1,419 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Mar 2022 Sale + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0090-00-002-017-0-001-00 |
| Primary APN | 0090-00-002-017-0-001-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,012 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| 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 | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | 32 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8291 |
|---|---|
| Street Address | 427 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 17 (60X130) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BRANTLEY ADDN |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 892601 |
427 Elm St is owned by an individual who bought it in December 2022.
Source: Carter County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1320 S COMMERCE ST, 5, ARDMORE, OK 73401-5505 |
| Owner Type | Individual |
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 |
|---|---|
| Dec 13, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 25, 2022 | Warranty Deed, Transfer STEWART TITLE, STEWART TITLE OF OK INC |
| Apr 29, 2020 | Warranty Deed, Transfer STEWART TITLE, STEWART TITLE OF OK INC |
| May 1, 2007 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON HOME LOAN CORP |
| Nov 22, 2006 | Warranty Deed, Transfer · Conventional Mortgage NATIONAL CITY MORTGAGE |
| Sep 22, 2006 | Warranty Deed, Transfer · Line of Credit AMERICAN NATIONAL BANK |
| Feb 13, 2006 | Joint Tenancy Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on File |
| Deed Sale | Dec 13, 2022 · Amount on File |
| Prior Sale | Mar 25, 2022 · Amount on File |
| Deed Document Number | 202213849 |
| Deed Book / Page | 7323 / 170 |
| Prior Transfer Date | Feb 9, 2006 |
| Prior Transfer Doc | 004425/269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Dec 13, 2022 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 007323/170 |
| Book / Page | 7323 / 170 |
| Instrument Date | Dec 7, 2022 |
| Instrument | I-2022-013849 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1320 S COMMERCE ST TRLR 5, 5, ARDMORE, OK 73401-5505 |
| Document Number | I2022013850 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | I-2022-013850 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Mar 25, 2022 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 007199/146 |
| Book / Page | 7199 / 146 |
| Instrument Date | Mar 22, 2022 |
| Instrument | I-2022-003217 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Tax | $78.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 N ST SW, ARDMORE, OK 73401-2832 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Apr 29, 2020 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 006873/146 |
| Book / Page | 6873 / 146 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 2020-004808 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Tax | $93.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 451 ELEPHANT ROCK RD, ARDMORE, OK 73401-6775 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | May 1, 2007 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 004642/248 |
| Book / Page | 4642 / 248 |
| Instrument Date | Apr 25, 2007 |
| Instrument | 2007-005811 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $102.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 004642/262 |
|---|---|
| Date | May 1, 2007 |
| Book Page | 4642/262 |
| Instrument | 2007-005812 |
| Name | FIRST HORIZON HOME LOAN CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Nov 22, 2006 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 004563/093 |
| Book / Page | 4563 / 093 |
| Instrument Date | Nov 16, 2006 |
| Instrument | 2006-014669 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $97.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 2006014670 |
|---|---|
| Date | Nov 22, 2006 |
| Instrument | 2006-014670 |
| Name | NATIONAL CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Sep 22, 2006 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 004530/114 |
| Book / Page | 4530 / 114 |
| Instrument Date | Sep 22, 2006 |
| Instrument | 2006-011720 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $39.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 2006011721 |
|---|---|
| Date | Sep 22, 2006 |
| Instrument | 2006-011721 |
| Name | AMERICAN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Oct 5, 2011 |
| Document Type | Joint Tenancy Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Feb 13, 2006 |
| Property Address | 427 ELM ST, ARDMORE, OK 73401-1740 |
| Document Number | 004425/269 |
| Book / Page | 4425 / 269 |
| Instrument Date | Feb 9, 2006 |
| Instrument | 2006-001921 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $22.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 427 Elm St was $1,419, down 0.1% from the year before.
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 | $14,505 (+1.98%) Land $1,200 Building $13,305 | $120,874 (+1.98%) Land $10,000 Building $110,874 | |
| 2025 | $1,419.00 (-0.07%) | $14,223 (-1.84%) Land $1,200 Building $13,023 | $118,529 (-18.38%) Land $10,000 Building $108,529 |
| 2024 | $1,420.00 (+4.11%) | $14,490 (+5%) Land $1,200 Building $13,290 | $145,217 (+26.28%) Land $10,000 Building $135,217 |
| 2023 | $1,364.00 | $13,800 Land $1,200 Building $12,600 | $115,000 Land $10,000 Building $105,000 |
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 427 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 427 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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