Carter County property record for 640 Lorraine Rd, Ardmore, OK 73401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,783 sqft · built 2013 |
| Lot Size | 3.19 acres (138,956 sqft) |
| Owner | Trust Name on File |
| Last Sale | $412,000 (Jun 2021) |
| Tax Bill | $5,869 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 86675 |
| Primary APN | 86675 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,783 sqft Living Area |
| 1st Floor Area | 2,782 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 138,956 sqft (3.19 acres) |
| Garage Type | Detached |
| Garage Area | 961 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 576 sqft |
| Porch | Slab |
| Porch Area | 1,126 sqft |
| Storage Building | 1,200 sqft |
| Utility Building | 1,200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 86675 |
|---|---|
| Street Address | 640 LORRAINE RD |
| City | ARDMORE |
| State | OK |
| Zip | 73401-9160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LORRAINE ADDN, BLK 1 LOT 3 (IRREG) |
| Legal Range | 02E |
| Legal Township | 04S |
| Legal Section | 34 |
| Legal Subdivision | LORRAINE ADDN |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 892802 |
640 Lorraine Rd is owner-occupied and held in a trust since November 2023.
Source: Carter County records, as of September 23, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 640 LORRAINE RD, ARDMORE, OK 73401-9160 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Nov 8, 2023 | Intrafamily Transfer, Transfer |
| Jun 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2021 · Amount on File |
| Deed Sale | Jun 22, 2021 · Amount on File |
| Prior Sale | Jun 28, 2012 · Amount on File |
| Deed Document Number | 20216814 |
| Deed Book / Page | 7063 / 273 |
| Last Transfer Date | Nov 7, 2023 |
| Transfer Doc | 007452/275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Nov 8, 2023 |
| Property Address | 640 LORRAINE RD, ARDMORE, OK 73401-9160 |
| Document Number | 007452/275 |
| Book / Page | 7452 / 275 |
| Instrument Date | Nov 7, 2023 |
| Instrument | I-2023-011078 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 640 LORRAINE RD, ARDMORE, OK 73401-9160 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARTER OK |
| Recording Date | Jun 22, 2021 |
| Property Address | 640 LORRAINE RD, ARDMORE, OK 73401-9160 |
| Document Number | 007063/273 |
| Book / Page | 7063 / 273 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 2021-006814 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE OF OK INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $618.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 640 LORRAINE RD, ARDMORE, OK 73401-9160 |
| Document Number | 2021006815 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021-006815 |
| Name | PROSPERITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 4.5% |
| Index | 1-Year CMT |
| Max Rate | 9.99% |
The 2025 property tax bill for 640 Lorraine Rd was $5,869.
Source: Carter County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Carter County |
| Municipality | Ardmore City |
| Unified School District | Dickson Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,311 (+5.38%) Land $3,600 Building $56,711 | $502,589 (-17.68%) Land $30,000 Building $472,589 | |
| 2025 | $5,869.00 | $57,233 Land $3,600 Building $53,633 | $610,510 Land $30,000 Building $580,510 |
| 2023 | $5,376.00 | $51,912 Land $3,571 Building $48,341 | $457,053 Land $30,000 Building $427,053 |
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 640 Lorraine Rd 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 640 Lorraine Rd is high, ranking above 70% of the US, with a 0.3% 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 64% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Arbuckle Communications Fixed Wireless | 400 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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