720 Locust St, Ardmore, OK 73401 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,464 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Dec 2022)
Tax Bill	$1,503 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0230-00-052-009-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0230-00-052-009-0-001-00`
Alternative APN	`8118`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,464 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2008
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 25 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8118
Street Address	720 LOCUST ST
City	ARDMORE
State	OK
Zip	73401-1393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COLLEGE HILL, BLK 52 LOT 9 (25X150) LOT 10 (25X150)
Legal Range	02E
Legal Township	04S
Legal Section	19
Legal Subdivision	COLLEGE HILL ADDN
Legal Block	52
Legal Lot Number	9,10
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	1
Census Block	1005
Census Tract	892601

Owner

Source: Carter County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	720 LOCUST ST, ARDMORE, OK 73401-1393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO
Feb 20, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	Feb 20, 2018
Deed Document Number	202214141
Deed Book / Page	7326 / 101
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Dec 20, 2022
Property Address	720 LOCUST ST, ARDMORE, OK 73401-1393
Document Number	007326/101
Book / Page	7326 / 101
Instrument Date	Dec 14, 2022
Instrument	I-2022-014141
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	STEWART TITLE, STEWART TITLE OF OK INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
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 LOCUST ST, ARDMORE, OK 73401-1393

Mortgage

Document Number	I2022014142
Date	Dec 20, 2022
Instrument	I-2022-014142

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Feb 20, 2018
Property Address	720 LOCUST ST, ARDMORE, OK 73401-1393
Document Number	006510/246
Book / Page	6510 / 246
Instrument Date	Feb 16, 2018
Instrument	2018-001820
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	720 LOCUST ST, ARDMORE, OK 73401-1393

Mortgage

Document Number	2018001821
Date	Feb 20, 2018
Instrument	2018-001821

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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
2025	$1,503.00	$15,056 (-11.49%) Land $2,800 Building $12,256	$125,464 (-16.11%) Land $23,333 Building $102,131
2024	$1,503.00 (-6.12%)	$17,010 (+5%) Land $2,800 Building $14,210	$149,564 (+10.79%) Land $23,333 Building $126,231
2023	$1,601.00	$16,200 Land $2,800 Building $13,400	$135,000 Land $23,333 Building $111,667

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

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.03% 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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Dobson Fiber Fiber	10,000 / 10,000
Sparklight Cable · Fiber in parts of the area	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

720 Locust St, Ardmore, OK 73401 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Locust St

Nearby Streets

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