709 Elm St, Ardmore, OK 73401 Property Records

Carter County property record for 709 Elm St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,840 sqft · built 1945
Lot Size	0.206 acres (8,973 sqft)
Owner	Individual Name on File
Tax Bill	$793 (2025)
Deeds & Mortgages	Mar 2006 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0230-00-031-019-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0230-00-031-019-0-001-00`
Alternative APN	`8015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,120 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2009
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,973 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	426 sqft
Carport	Carport
Carport Area	426 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8015
Street Address	709 ELM ST
City	ARDMORE
State	OK
Zip	73401-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLLEGE HILL, BLK 31 (AMER. LEG RE'SUB) LOT 19 (60X150)
Legal Range	02E
Legal Township	04S
Legal Section	19
Legal Subdivision	COLLEGE HILL ADDN
Legal Block	31
Legal Lot Number	19
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3004
Census Tract	892601

Owner

709 Elm St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	709 ELM ST, ARDMORE, OK 73401-1331
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	Name on Deed
Record Updated	Oct 29, 2026

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	709 ELM ST, ARDMORE, OK 73401-1331
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004436/107
Date	Mar 8, 2006
Book Page	4436/107
Instrument	2006-002887

Lender

Name	WEOKIE CU
Type	Credit Union
Address	OKLAHOMA CITY, OK 73126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 1, 2011

Tax Assessment & Valuation

The 2025 property tax bill for 709 Elm St was $793 with a homeowner's exemption, down 0.1% from the year before.

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		$9,219 (+2.99%) Land $1,757 Building $7,462	$76,827 (-51.64%) Land $14,642 Building $62,185
2025	$793.00 (-0.13%) Homeowner's exemption	$8,951 (+9.29%) Land $1,706 Building $7,245	$158,865 (+43.1%) Land $20,000 Building $138,865
2024	$794.00 (+15.57%) Homeowner's exemption	$8,190 (+3.01%) Land $1,656 Building $6,534	$111,015 (+8.56%) Land $20,000 Building $91,015
2023	$687.00 Homeowner's exemption	$7,951 Land $1,622 Building $6,329	$102,257 Land $20,000 Building $82,257

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 709 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 709 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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