Carter County property record for 45 Valley Ranch Rd, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,681 sqft · built 2024 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,000 (Feb 2022) |
| Tax Bill | $8,704 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 77683 |
| Primary APN | 77683 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,681 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 1,014 sqft |
| Porch | Slab |
| Porch Area | 204 sqft |
| Patio Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 77683 |
|---|---|
| Street Address | 45 VALLEY RANCH RD |
| City | ARDMORE |
| State | OK |
| Zip | 73401-4217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | VALLEY RANCH ROAD ADDN #2, BLK 1 LOT 1 (IRREG) 04 05S 01E |
| Legal Range | 01E |
| Legal Township | 05S |
| Legal Section | 04 |
| Legal Subdivision | VALLEY RANCH RD ADDN #2 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 892502 |
45 Valley Ranch Rd is owned and occupied by two individuals who bought it in February 2022.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANCFIRST |
| Nov 7, 2024 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 8, 2022 | Warranty Deed, Transfer STEWART TITLE, STEWART TITLE OF OK INC |
| Sep 4, 2020 | Warranty Deed, Transfer STEWART TITLE, STEWART TITLE OF OK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2022 · Amount on File |
| Deed Sale | Feb 8, 2022 · Amount on File |
| Prior Sale | Sep 4, 2020 · Amount on File |
| Deed Document Number | 20221350 |
| Deed Book / Page | 7177 / 251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Jul 22, 2026 |
| Property Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Document Number | 0000007096 |
| Book / Page | 7925 / 261 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 20267096 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Document Number | 0000007096, |
|---|---|
| Date | Jul 22, 2026 |
| Book Page | 7925/261 |
| Instrument | 20267096 |
| Name | BANCFIRST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 17, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Name | Verified Name |
|---|---|
| Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Document Number | 007607/181 |
|---|---|
| Date | Nov 7, 2024 |
| Book Page | 7607/181 |
| Instrument | I-2024-010807 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Feb 8, 2022 |
| Property Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Document Number | 007177/251 |
| Book / Page | 7177 / 251 |
| Instrument Date | Jan 29, 2022 |
| Instrument | I-2022-001350 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Tax | $108.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4983 PLAINVIEW RD, ARDMORE, OK 73401-0725 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Sep 4, 2020 |
| Property Address | 45 VALLEY RANCH RD, ARDMORE, OK 73401-4217 |
| Document Number | 006927/159 |
| Book / Page | 6927 / 159 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 2020-009561 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Tax | $90.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 385 LAKE LONISE DR SW, LAKEWOOD, WA 98498-3147 |
The 2025 property tax bill for 45 Valley Ranch Rd was $8,704 with a veteran's exemption.
Source: Carter County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Carter County |
| Municipality | Ardmore City |
| Unified School District | Plainview Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,764 (-24.35%) Land $8,640 Building $63,124 | $598,036 (-24.35%) Land $72,000 Building $526,036 | |
| 2025 | $8,704.00 | $94,862 Land $8,640 Building $86,222 | $790,518 Land $72,000 Building $718,518 |
| 2023 | $792.00 | $8,640 Land $8,640 | $72,000 Land $72,000 |
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 45 Valley Ranch Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 20, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 45 Valley Ranch Rd is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 43% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.4% 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable · Fiber in parts of the area | 1,000 / 50 |
| Arbuckle Communications Fixed Wireless | 400 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures