Carter County property record for 433 Locust St, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 889 sqft · built 1955 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $49,500 (Mar 2025) |
| Tax Bill | $631 (2025) |
| Deeds & Mortgages | Aug 2011 Mortgage May 2014 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0090-00-009-017-0-001-00 |
| Primary APN | 0090-00-009-017-0-001-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 889 sqft Living Area |
| 1st Floor Area | 889 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Mixed |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Patio Area | 221 sqft |
| Shed | 1 Shed |
| Shed Area | 264 sqft |
| Lean-To | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 8489 |
|---|---|
| Street Address | 433 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 17 (61.56X144.71X60X136.63) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 19 |
| Legal Subdivision | BRANTLEY ADDN |
| Legal Block | 9 |
| Legal Lot Number | 17 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 892601 |
433 Locust St is owned and occupied by an individual who bought it in March 2025.
Source: Carter County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 433 LOCUST ST, ARDMORE, OK 73401-1772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Aug 24, 2011 | Deed of Trust, Mortgage AMERICAN NATIONAL BANK |
| May 8, 2014 | Deed of Trust, Mortgage AMERICAN NATIONAL BANK |
| Mar 12, 2025 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on File |
| Deed Sale | Mar 12, 2025 · Amount on File |
| Prior Sale | Mar 26, 1999 |
| Deed Document Number | 20252545 |
| Deed Book / Page | 7667 / 174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 433 LOCUST ST, ARDMORE, OK 73401-1772 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 005371/006 |
|---|---|
| Date | Aug 24, 2011 |
| Book Page | 5371/006 |
| Instrument | 2011-010346 |
| Name | AMERICAN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73401 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Aug 16, 2016 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 433 LOCUST ST, ARDMORE, OK 73401-1772 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 005893/294 |
|---|---|
| Date | May 8, 2014 |
| Book Page | 5893/294 |
| Instrument | 2014-006610 |
| Name | AMERICAN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73401 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Mar 12, 2025 |
| Property Address | 433 LOCUST ST, ARDMORE, OK 73401-1772 |
| Document Number | 007667/174 |
| Book / Page | 7667 / 174 |
| Instrument Date | Mar 11, 2025 |
| Instrument | I-2025-002545 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $74.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 LOCUST ST, ARDMORE, OK 73401-1772 |
The 2025 property tax bill for 433 Locust St was $631, down 0.2% 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 | $5,940 (-6.1%) Land $942 Building $4,998 | $49,500 (-21%) Land $7,850 Building $41,650 | |
| 2025 | $631.00 (-0.16%) | $6,326 (+11.06%) Land $847 Building $5,479 | $62,659 (-5.2%) Land $10,000 Building $52,659 |
| 2024 | $632.00 (+17.91%) | $5,696 (+5.01%) Land $807 Building $4,889 | $66,097 (-1.82%) Land $10,000 Building $56,097 |
| 2023 | $536.00 | $5,424 Land $759 Building $4,665 | $67,321 Land $10,000 Building $57,321 |
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 433 Locust 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.
Wildfire risk around 433 Locust St is moderate, ranking above 52% 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 52% of the US · lower than 84% 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 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Dobson Fiber Fiber | 10,000 / 10,000 |
| Sparklight Cable · Fiber in parts of the area | 1,000 / 50 |
| Arbuckle Communications Fixed Wireless | 400 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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