720 Elm St, Ardmore, OK 73401 Property Records

Carter County property record for 720 Elm St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 976 sqft · built 1945
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Aug 2017)
Tax Bill	$1,045 (2025)
Deeds & Mortgages	Apr 2026 Re-recorded Document Aug 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0230-00-018-004-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0230-00-018-004-0-001-00`
Alternative APN	`7956`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
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
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7956
Street Address	720 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 4 (60X150)
Legal Range	02E
Legal Township	04S
Legal Section	19
Legal Subdivision	COLLEGE HILL ADDN
Legal Block	18
Legal Lot Number	4
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3005
Census Tract	892601

Owner

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 Individual Names on Record
Mailing Address	720 ELM ST, ARDMORE, OK 73401-1332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Re-recorded Document ARBUCKLE CLOSING AND ESCROW, ARBUCKLE CLOSING & ESCROW
Aug 28, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO
Nov 24, 2015	Warranty Deed, Transfer CITIZENS BANK & TRUST CO
Apr 20, 2010	Warranty Deed, Transfer · ARM MTC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017 · Amount on Record
Deed Sale	Aug 28, 2017 · Amount on Record
Prior Sale	Nov 24, 2015 · Amount on Record
Deed Document Number	20178905
Deed Book / Page	6440 / 92
Prior Transfer Date	Dec 6, 2001
Prior Transfer Doc	3735000005
Record Updated	Oct 29, 2026

April 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	CARTER OK
Recording Date	Apr 16, 2026
Property Address	720 ELM ST, ARDMORE, OK 73401-1332
Document Number	0000003618
Book / Page	7874 / 71
Instrument Date	Apr 16, 2026
Instrument	20263618
Record Updated	Aug 27, 2026
Title Company	ARBUCKLE CLOSING AND ESCROW, ARBUCKLE CLOSING & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Aug 28, 2017
Property Address	720 ELM ST, ARDMORE, OK 73401-1332
Document Number	006440/092
Book / Page	6440 / 092
Instrument Date	Aug 25, 2017
Instrument	2017-008905
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 ELM ST, ARDMORE, OK 73401-1332

Mortgage

Document Number	2017008906
Date	Aug 28, 2017
Instrument	2017-008906

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

November 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Nov 24, 2015
Property Address	720 ELM ST, ARDMORE, OK 73401-1332
Document Number	006168/174
Book / Page	6168 / 174
Instrument Date	Nov 20, 2015
Instrument	2015-013810
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	STEWART ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	89 ROYAL OAKS LN, ARDMORE, OK 73401-3409

Mortgage

Document Number	006168/175
Date	Nov 24, 2015
Book Page	6168/175
Instrument	2015-013811

Lender

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

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 20, 2020

April 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Apr 20, 2010
Property Address	720 ELM ST, ARDMORE, OK 73401-1332
Document Number	005143/289
Book / Page	5143 / 289
Instrument Date	Apr 19, 2010
Instrument	2010-004527
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 ELM ST, ARDMORE, OK 73401-1332

Mortgage

Document Number	2010004528
Date	Apr 20, 2010
Instrument	2010-004528

Lender

Name	MTC FCU

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	May 1, 2015
Min Rate At Change	6%
Max Rate At Change	10%
Index	10-Year TN
Max Rate	14%

Tax Assessment & Valuation

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		$10,472 (-0.01%) Land $2,560 Building $7,912	$87,264 (-20.24%) Land $21,330 Building $65,934
2025	$1,045.00 (-0.1%)	$10,473 (+0.01%) Land $2,553 Building $7,920	$109,402 (-11.03%) Land $26,667 Building $82,735
2024	$1,046.00 (+1.06%)	$10,472 (-) Land $2,271 Building $8,201	$122,960 (+8%) Land $26,667 Building $96,293
2023	$1,035.00	$10,472 Land $2,453 Building $8,019	$113,855 Land $26,667 Building $87,188

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

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

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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