523 Ruth Dr, Carnegie, OK 73015 Property Records

Caddo County property record for 523 Ruth Dr, Carnegie, OK 73015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 1970
Lot Size	0.314 acres (13,678 sqft)
Owner	2 Individual Names on File
Last Sale	$48,000 (Aug 2018)
Tax Bill	$1,127 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21368`

Property Details

APN / Parcel Number

Primary APN	`21368`
Alternative APN	`1480-08-001-012-2-024-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,944 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,678 sqft (0.314 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Patio Area	48 sqft
Shed	1 Shed
Shed Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21368
Street Address	523 RUTH DR
City	CARNEGIE
State	OK
Zip	73015-9469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12 BLK 1 HILLTOP #2 PART 1
Legal Subdivision	HILLTOP #2 PART 1
Legal Block	1
Legal Lot Number	12
Jurisdiction	CADDO OK
Township / Civil Division	CARNEGIE
Census Block Group	3
Census Block	3011
Census Tract	161800

Owner

523 Ruth Dr is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 RUTH DR, CARNEGIE, OK 73015-9469
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Prior Sale	Oct 16, 1994 · Amount on File
Deed Document Number	20186323
Deed Book / Page	3102 / 778
Last Transfer Date	Jan 5, 2024
Transfer Doc	0000000106
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CADDO OK
Recording Date	Aug 7, 2018
Property Address	523 RUTH DR, CARNEGIE, OK 73015-9469
Document Number	003102/778
Book / Page	3102 / 778
Instrument Date	Aug 2, 2018
Instrument	201800006323
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.00
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
Address	523 RUTH DR, CARNEGIE, OK 73015-9469

Mortgage

Document Number	201800006324
Date	Aug 7, 2018
Instrument	201800006324

Lender

Name	WASHITA VALLEY BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 523 Ruth Dr was $1,127.

Source: Caddo County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Oklahoma
County	Caddo County
Municipality	Carnegie Town
Unified School District	Carnegie Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$11,912 (+1.36%) Land $752 Building $11,160	$108,290 (+1.36%) Land $6,840 Building $101,450
2025	$1,127.00	$11,752 (+52.05%) Land $752 Building $11,000	$106,840 (-5.46%) Land $6,840 Building $100,000
2024	$1,127.00 (+82.95%) Homeowner's exemption	$7,729 (+3%) Land $751 Building $6,978	$113,010 (+10.76%) Land $6,830 Building $106,180
2023	$616.00 Homeowner's exemption	$7,504 Land $751 Building $6,753	$102,030 Land $6,830 Building $95,200

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 523 Ruth Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 18, 2011

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

Wildfire risk around 523 Ruth Dr is moderate, ranking above 61% 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 61% of the US · lower than 77% 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.

Drinking Water

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

Water System	CADDO CO RWD #3 serves 3,900 people · EPA ID OK2000816
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) 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	5 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Carnegie Telephone Company Fiber · Fixed Wireless · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20