Carter County property record for 522 Carter St SE, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,668 sqft · built 1947 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $69,000 (Aug 2019) |
| Tax Bill | $1,032 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0010-00-491-004-0-002-00 |
| Primary APN | 0010-00-491-004-0-002-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| 1st Floor Area | 1,430 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 180 ft deep x 60 ft wide |
| Garage Type | Mixed |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 312 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 5026 |
|---|---|
| Street Address | 522 CARTER ST SE |
| City | ARDMORE |
| State | OK |
| Zip | 73401-8518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ARDMORE LOTS & BLKS, BLK 491 LOT 4 N 60 (60X180) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 32 |
| Legal Subdivision | ARDMORE CITY |
| Legal Block | 491 |
| Legal Lot Number | 4 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 892801 |
522 Carter St SE is owned and occupied by an individual who bought it in August 2019.
Source: Carter County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 CARTER ST SE, ARDMORE, OK 73401-8518 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Sep 11, 2017 | Deed of Trust, Mortgage · Line of Credit LANDMARK BANK NA |
| Jun 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 23, 2019 | Personal Representative Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on File |
| Deed Sale | Aug 23, 2019 · Amount on File |
| Deed Document Number | 20199674 |
| Deed Book / Page | 6765 / 215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 522 CARTER ST SE, ARDMORE, OK 73401-8518 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 006445/066 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 6445/066 |
| Instrument | 2017-009385 |
| Name | LANDMARK BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBIA, MO 65201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Aug 30, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 522 CARTER ST SE, ARDMORE, OK 73401-8518 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 522 CARTER ST SE, ARDMORE, OK 73401-8518 |
| Document Number | 0007236/48 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 7236/48 |
| Instrument | I-2022-006332 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Sep 1, 2049 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Aug 23, 2019 |
| Property Address | 522 CARTER ST SE, ARDMORE, OK 73401-8518 |
| Document Number | 006765/215 |
| Book / Page | 6765 / 215 |
| Instrument Date | Aug 21, 2019 |
| Instrument | 2019-009674 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 522 CARTER ST SE, ARDMORE, OK 73401-8518 |
| Document Number | 2019009675 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 2019-009675 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 522 Carter St SE was $1,032.
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 | $10,856 (+5%) Land $900 Building $9,956 | $90,461 (-10.78%) Land $7,500 Building $82,961 | |
| 2025 | $1,032.00 | $10,339 (+5.01%) Land $900 Building $9,439 | $101,396 (+4.99%) Land $7,500 Building $93,896 |
| 2024 | $1,032.00 (+11.33%) | $9,846 (+5%) Land $900 Building $8,946 | $96,580 (+10.12%) Land $7,500 Building $89,080 |
| 2023 | $927.00 | $9,377 Land $900 Building $8,477 | $87,701 Land $7,500 Building $80,201 |
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 522 Carter St SE 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 522 Carter St SE is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 92% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 365 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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