48 Laredo St, Ardmore, OK 73401 Property Records

Carter County property record for 48 Laredo St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,358 sqft · built 1982
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Tax Bill	$1,386 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25780`

Property Details

APN / Parcel Number

Primary APN	`25780`
Alternative APN	`2055-00-002-001-0-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	232 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25780
Street Address	48 LAREDO ST
City	ARDMORE
State	OK
Zip	73401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAPARRAL WEST, BLK 2 LOT 1 (201X165)
Legal Subdivision	CHAPARRAL WEST
Legal Block	2
Legal Lot Number	1
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	1
Census Block	1007
Census Tract	892502

Owner

Source: Carter County assessment roll, as of October 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	122 LAREDO ST, ARDMORE, OK 73401-9320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage FIRST BANK & TRUST CO
Mar 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 25, 2007
Transfer Doc	004718/263
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	48 LAREDO ST, ARDMORE, OK 73401
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007310/219
Date	Nov 14, 2022
Book Page	7310/219
Instrument	I-2022-012864

Lender

Name	FIRST BANK & TRUST CO
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 12, 2042

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	48 LAREDO ST, ARDMORE, OK 73401
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007200/102
Date	Mar 28, 2022
Book Page	7200/102
Instrument	I-2022-003305

Lender

Name	FIRST BANK & TRUST CO
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 14, 2023

Tax Assessment & Valuation

Source: Carter County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	Oklahoma
County	Carter County
Municipality	Lone Grove City
Unified School District	Lone Grove Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,386.00 (+6.13%) Homeowner's exemption	$14,267 (+6.09%) Land $2,983 Building $11,284	$157,911 (+13.85%) Land $35,001 Building $122,910
2023	$1,306.00 Homeowner's exemption	$13,448 Land $2,885 Building $10,563	$138,696 Land $25,000 Building $113,696

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	8 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 87% of Oklahoma
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LONE GROVE serves 4,863 people · EPA ID OK2001007
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Chickasaw Holding Company Fiber	1,000 / 500
Cable One Cable	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100
AT&T Fixed Wireless	100 / 20

May also be available: 360 Communications, Inc. (OK, AR & TX).

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