57 Howard St, Ardmore, OK 73401 Property Records

Carter County property record for 57 Howard St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,701 sqft · built 1991
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on File
Last Sale	$162,000 (Feb 2018)
Tax Bill	$2,238 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24552`

Property Details

APN / Parcel Number

Primary APN	`24552`
Alternative APN	`2990-06-05S-01E-1-008-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,701 sqft Living Area
1st Floor Area	1,701 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2013
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	296 sqft
Deck Area	288 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	24552
Street Address	57 HOWARD ST
City	ARDMORE
State	OK
Zip	73401-8274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	S 200.29 N 409 W 243 W/2 NE NE - 06 05S 01E
Legal Range	01E
Legal Township	05S
Legal Section	06
Legal Subdivision	LONE GROVE CITY TRACTS
Legal Block	5S
Legal Lot Number	1E
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3018
Census Tract	892502

Owner

57 Howard St is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	57 HOWARD ST, ARDMORE, OK 73401-8274
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

Date	Document
Aug 4, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Feb 15, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2018 · Amount on File
Deed Sale	Feb 15, 2018 · Amount on File
Prior Sale	Jul 7, 2015 · Amount on File
Deed Document Number	20181666
Deed Book / Page	6509 / 109
Prior Transfer Date	Oct 5, 1999
Prior Transfer Doc	3454000107
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	57 HOWARD ST, ARDMORE, OK 73401-8274
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 HOWARD ST, ARDMORE, OK 73401-8274

Mortgage

Document Number	007741/133
Date	Aug 4, 2025
Book Page	7741/133
Instrument	I-2025-008178

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Feb 15, 2018
Property Address	57 HOWARD ST, ARDMORE, OK 73401-8274
Document Number	006509/109
Book / Page	6509 / 109
Instrument Date	Feb 14, 2018
Instrument	2018-001666
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 HOWARD ST, ARDMORE, OK 73401-8274

Mortgage

Document Number	2018001667
Date	Feb 15, 2018
Instrument	2018-001667

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 57 Howard St was $2,238.

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

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
2026		$22,489 (+5%) Land $3,215 Building $19,274	$187,406 (-21.76%) Land $26,791 Building $160,615
2025	$2,238.00 (-0.04%)	$21,418 (+5%) Land $3,062 Building $18,356	$239,523 (+7.67%) Land $35,000 Building $204,523
2024	$2,239.00 (+9.81%)	$20,398 (+5%) Land $2,916 Building $17,482	$222,463 (+8.31%) Land $24,300 Building $198,163
2023	$2,039.00	$19,427 Land $2,916 Building $16,511	$205,396 Land $24,300 Building $181,096

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 57 Howard St 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

Wildfire risk around 57 Howard St is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · lower than 65% of Oklahoma
Wildfire Likelihood	0.2% 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	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 78 locations within half a mile, as of December 31, 2025

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

May also be available: 360 Broadband.

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