520 N Commerce St, Ardmore, OK 73401 Property Records

Carter County property record for 520 N Commerce St, Ardmore, OK 73401

Property Summary

Property Type	Commercial
Details	600 sqft · built 2016
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Mar 2017)
Tax Bill	$2,757 (2025)
Deeds & Mortgages	Jun 2021 Sale Dec 2018 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0010-00-189-001-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0010-00-189-001-0-001-00`
Alternative APN	`1807`

Interior

Stories	1 Story
Building Area	600 sqft Gross Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	28,314 sqft (0.65 acres)
Deck Area	36 sqft
Shed	1 Shed
Shed Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	1807
Street Address	520 N COMMERCE ST
City	ARDMORE
State	OK
Zip	73401-3911
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C1
Legal Description	ARDMORE LOTS & BLKS, BLK 189 LOT 1 N 100 LESS W 30 LOT 8 N 100(LOTS IRREGULAR)
Legal Range	02E
Legal Township	04S
Legal Section	30
Legal Subdivision	ARDMORE CITY
Legal Block	189
Legal Lot Number	1,8
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2038
Census Tract	893100

Owner

520 N Commerce St, a commercial property, is owned by two individuals who acquired it in December 2018.

Source: Carter County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	424 YORKTOWN RD, ARDMORE, OK 73401-0720
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Warranty Deed, Transfer
Dec 12, 2018	Correction Deed TOP TITLE SERVICES LLC, TCO TITLE SERVICES LLC
Dec 12, 2018	Correction Deed TOP TITLE SERVICES LLC, TCO TITLE SERVICES LLC
Dec 12, 2018	Quit Claim Deed, Transfer · Line of Credit PROSPERITY BANK
Aug 7, 2012	Warranty Deed, Transfer SANGER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2017 · Amount on File
Deed Sale	Mar 29, 2017 · Amount on File
Deed Document Number	20173205
Deed Book / Page	6377 / 12
Last Transfer Date	Dec 4, 2018
Transfer Doc	006648/122
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Jun 2, 2021
Property Address	520 N COMMERCE ST, ARDMORE, OK 73401-3911
Document Number	007052/257
Book / Page	7052 / 257
Instrument Date	Jun 2, 2021
Instrument	2021-005967
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Tax	$313.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	424 YORKTOWN RD, ARDMORE, OK 73401-0720

December 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	CARTER OK
Recording Date	Dec 12, 2018
Property Address	520 N COMMERCE ST, ARDMORE, OK 73401-3911
Document Number	006648/121
Book / Page	6648 / 121
Instrument Date	Dec 4, 2018
Instrument	2018-014134
Record Updated	Jan 27, 2026
Title Company	TOP TITLE SERVICES LLC, TCO TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	CARTER OK
Recording Date	Dec 12, 2018
Property Address	520 N COMMERCE ST, ARDMORE, OK 73401-3911
Document Number	006648/119
Book / Page	6648 / 119
Instrument Date	Dec 4, 2018
Instrument	2018-014133
Record Updated	Jan 27, 2026
Title Company	TOP TITLE SERVICES LLC, TCO TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARTER OK
Recording Date	Dec 12, 2018
Property Address	520 N COMMERCE ST, ARDMORE, OK 73401-3911
Document Number	006648/122
Book / Page	6648 / 122
Instrument Date	Dec 4, 2018
Instrument	2018-014135
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	TOP TITLE SERVICES LLC, TCO TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5959 NW 39TH ST, OKLAHOMA CITY, OK 73122-2015

Mortgage

Document Number	2018014136
Date	Dec 12, 2018
Instrument	2018-014136

Lender

Name	PROSPERITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 30, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Aug 7, 2012
Property Address	520 N COMMERCE ST, ARDMORE, OK 73401-3911
Document Number	005555/240
Book / Page	5555 / 240
Instrument Date	Aug 1, 2012
Instrument	2012-010541
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 844, GAINESVILLE, TX 76241-0844

Mortgage

Document Number	005555/241
Date	Aug 7, 2012
Book Page	5555/241
Instrument	2012-010542

Lender

Name	SANGER BANK
Address	SANGER, TX 76266

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 520 N Commerce St was $2,757.

Source: Carter County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,298 (-1.19%) Land $22,191 Building $5,107	$227,488 (-1.19%) Land $184,926 Building $42,562
2025	$2,757.00	$27,626 Land $22,191 Building $5,435	$230,217 Land $184,926 Building $45,291
2023	$2,602.00	$26,334 Land $16,612 Building $9,722	$298,697 Land $184,926 Building $113,771

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.

Flood

FEMA maps place 520 N Commerce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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 Claims	2 (1980)
Most Recent Claim	Aug 1980 · tidal / storm surge

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

Wildfire risk around 520 N Commerce St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 390 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband, Arbuckle Communications.

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