Carter County property record for 649 Valley Ranch Rd, Ardmore, OK 73401
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 3,804 sqft · built 2009 |
| Lot Size | 146 acres (6,388,945 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $440,000 (Nov 2003) |
| Tax Bill | $7,471 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit May 2009 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74024 |
| Primary APN | 74024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,804 sqft Living Area |
| Gross Area | 10 sqft |
| 1st Floor Area | 2,160 sqft |
| 2nd Floor Area | 1,643 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,388,945 sqft (146 acres) |
| Garage Type | Mixed |
| Garage Area | 1,074 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 510 sqft |
| Deck Area | Deck Area |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 74024 |
|---|---|
| Street Address | 649 VALLEY RANCH RD |
| City | ARDMORE |
| State | OK |
| Zip | 73401-4266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | TM |
| Legal Description | SW LESS BEG 764.06 N89.3245E SW/C OF SEC; N02.0959W 362.12; S69.2619E 1.50; S66.3641E 60.87; S63.3002E 315.73; C/RIGHT RADIUS |
| Legal Range | 01E |
| Legal Township | 05S |
| Legal Section | 03 |
| Legal Subdivision | UNPLATTED |
| Jurisdiction | CARTER OK |
| Township / Civil Division | ARDMORE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 892502 |
Source: Carter County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 649 VALLEY RANCH RD, ARDMORE, OK 73401-4266 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 19, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST CO |
| May 13, 2009 | Deed of Trust, Mortgage · Construction Mortgage LANDMARK BANK NA |
| Feb 8, 2011 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2003 · Amount on Record |
| Deed Sale | Nov 18, 2003 · Amount on Record |
| Deed Book / Page | 4063 / 43 |
| Last Transfer Date | Jan 29, 2026 |
| Transfer Doc | 0000000981 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 649 VALLEY RANCH RD, ARDMORE, OK 73401-4266 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006920/209 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 6920/209 |
| Instrument | 2020-008932 |
| Name | CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | ARDMORE, OK 73402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 31, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 649 VALLEY RANCH RD, ARDMORE, OK 73401-4266 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004996/253 |
|---|---|
| Date | May 13, 2009 |
| Book Page | 4996/253 |
| Instrument | 2009-005244 |
| Name | LANDMARK BANK NA |
|---|---|
| Type | Bank |
| Address | MADILL, OK 73446 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 4, 2010 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER OK |
| Property Address | 649 VALLEY RANCH RD, ARDMORE, OK 73401-4266 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 005280/207 |
|---|---|
| Date | Feb 8, 2011 |
| Book Page | 5280/207 |
| Instrument | 2011-001416 |
| Name | CITIZENS BANK & TRUST COMPANY |
|---|---|
| Address | ARDMORE, OK 73402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2041 |
Source: Carter County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Carter County |
| Unified School District | Plainview Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $85,275 (+3.22%) Land $4,689 Building $80,586 | $710,621 (-27.13%) Land $39,076 Building $671,545 | |
| 2025 | $7,471.00 (-0.01%) Homeowner's exemption | $82,614 (+3%) Land $4,644 Building $77,970 | $975,153 (-1.16%) Land $39,076 Building $936,077 |
| 2024 | $7,472.00 (+6.32%) Homeowner's exemption | $80,208 (+3%) Land $4,509 Building $75,699 | $986,619 (+8.91%) Land $39,076 Building $947,543 |
| 2023 | $7,028.00 Homeowner's exemption | $77,872 Land $4,498 Building $73,374 | $905,886 Land $39,076 Building $866,810 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 41% 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 | SOUTHERN OKLA WATER CORP serves 11,250 people · EPA ID OK1010830 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026 Turbidity resolved · May 2025 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 |
| 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| Arbuckle Communications Fixed Wireless | 100 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures