702 Elm St, Ardmore, OK 73401 Property Records

Carter County property record for 702 Elm St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1945
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Mar 2021)
Tax Bill	$1,241 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0230-00-018-013-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0230-00-018-013-0-001-00`
Alternative APN	`7964`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2016
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	80 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7964
Street Address	702 ELM ST
City	ARDMORE
State	OK
Zip	73401-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLLEGE HILL, BLK 18 (AMER. LEG. RE'SUB) LOT 13 (60X150)
Legal Range	02E
Legal Township	04S
Legal Section	19
Legal Subdivision	COLLEGE HILL ADDN
Legal Block	18
Legal Lot Number	13
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3005
Census Tract	892601

Owner

702 Elm St is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	702 ELM ST, ARDMORE, OK 73401-1332
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
Feb 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK & TRUST CO
Mar 30, 2021	Warranty Deed, Transfer · FHA Mortgage GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2021 · Amount on File
Deed Sale	Mar 30, 2021 · Amount on File
Prior Sale	Sep 26, 2017 · Amount on File
Deed Document Number	20213136
Deed Book / Page	7016 / 146
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	702 ELM ST, ARDMORE, OK 73401-1332
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006504/249
Date	Feb 2, 2018
Book Page	6504/249
Instrument	2018-001198

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	191 Months
Due	Jan 28, 2034

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Mar 30, 2021
Property Address	702 ELM ST, ARDMORE, OK 73401-1332
Document Number	007016/146
Book / Page	7016 / 146
Instrument Date	Mar 19, 2021
Instrument	2021-003136
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	STEWART TITLE, STEWART TITLE OF OK INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 ELM ST, ARDMORE, OK 73401-1332

Mortgage

Document Number	2021003137
Date	Mar 30, 2021
Instrument	2021-003137

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 702 Elm St was $1,241 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Oklahoma
County	Carter County
Municipality	Ardmore City
Unified School District	Ardmore Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$13,197 (-1.78%) Land $2,400 Building $10,797	$109,976 (-1.78%) Land $20,000 Building $89,976
2025	$1,241.00 Homeowner's exemption	$13,436 (-2.33%) Land $2,400 Building $11,036	$111,968 (-12.29%) Land $20,000 Building $91,968
2024	$1,241.00 (-5.98%) Homeowner's exemption	$13,757 (+3%) Land $2,400 Building $11,357	$127,660 (+8.77%) Land $20,000 Building $107,660
2023	$1,320.00	$13,356 Land $2,400 Building $10,956	$117,367 Land $20,000 Building $97,367

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 702 Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	1 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2025 · rainfall accumulation

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 702 Elm St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 473 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

May also be available: 360 Broadband.

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