731 Virginia Ln, Ardmore, OK 73401 Property Records

Carter County property record for 731 Virginia Ln, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,635 sqft · built 1977
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Jun 2026)
Tax Bill	$2,620 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2008 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`11146`

Property Details

APN / Parcel Number

Primary APN	`11146`
Alternative APN	`0655-00-002-002-0-001-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,635 sqft Living Area
1st Floor Area	2,635 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	90 ft deep x 121 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	468 sqft
Porch	Slab
Porch Area	675 sqft
Patio Area	85 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	11146
Street Address	731 VIRGINIA LN
City	ARDMORE
State	OK
Zip	73401-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	INGRAM, BLK 2 LOT 2 (121.67X90)
Legal Range	01E
Legal Township	04S
Legal Section	36
Legal Subdivision	INGRAM #1 ADDN
Legal Block	2
Legal Lot Number	2
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2016
Census Tract	893001

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	Individual Name on Record
Mailing Address	131 VIRGINIA LN, ARDMORE, OK 73401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS
May 9, 2008	Deed of Trust, Mortgage · Conventional Mortgage HOMECOMINGS FINANCIAL LLC
Mar 11, 2015	Deed of Trust, Mortgage AMERICAN NATIONAL BANK
Sep 14, 2009	Deed of Trust, Mortgage · FHA Mortgage ALLY BANK
Sep 10, 2013	Special Warranty Deed, Transfer · Line of Credit AMERICAN NATIONAL BANK
Feb 4, 2013	Sheriff's Deed, Foreclosure
Sep 19, 2007	Joint Tenancy Deed, Transfer · Conventional Mortgage HOMECOMINGS FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Sep 10, 2013 · Amount on Record
Deed Document Number	20265565
Deed Book / Page	7901 / 270
Prior Transfer Date	Sep 5, 2012
Prior Transfer Doc	005645/023
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Jun 9, 2026
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Document Number	0000005565
Book / Page	7901 / 270
Instrument Date	Jun 5, 2026
Instrument	20265565
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	ARBUCKLE CLOSING AND ESCROW, ARBUCKLE CLOSING & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$44,692.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000005566,
Date	Jun 9, 2026
Instrument	20265566

Lender

Name	SUCCESS MORTGAGE PARTNERS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Mortgage

Document Number	0000005567,
Date	Jun 9, 2026
Book Page	7901/288
Instrument	20265567

Lender

Name	OKLAHOMA HSNG FINANCIAL AGENCY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004829/176
Date	May 9, 2008
Book Page	4829/176
Instrument	2008-006058

Lender

Name	HOMECOMINGS FINANCIAL LLC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2038

March 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006048/212
Date	Mar 11, 2015
Book Page	6048/212
Instrument	2015-002575

Lender

Name	AMERICAN NATIONAL BANK
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Amount	Amount Recorded

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005048/142
Date	Sep 14, 2009
Book Page	5048/142
Instrument	2009-010156

Lender

Name	ALLY BANK
Type	Bank
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2039

September 2013: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Sep 10, 2013
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Document Number	005766/271
Book / Page	5766 / 271
Instrument Date	Aug 29, 2013
Instrument	2013-012394
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$158.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013012395
Date	Sep 10, 2013
Instrument	2013-012395

Lender

Name	AMERICAN NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2013: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CARTER OK
Recording Date	Feb 4, 2013
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Document Number	005645/023
Book / Page	5645 / 023
Instrument Date	Sep 5, 2012
Instrument	2013-001416
Transaction Type	Foreclosure
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 WILL ROGERS PKWY STE 300, 300, OKLAHOMA CITY, OK 73108-1870
Investor	Possibly a Property Investor

September 2007: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	CARTER OK
Recording Date	Sep 19, 2007
Property Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011
Document Number	004716/021
Book / Page	4716 / 021
Instrument Date	Sep 11, 2007
Instrument	2007-013083
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	731 VIRGINIA LN, ARDMORE, OK 73401-3011

Mortgage

Document Number	2007013084
Date	Sep 19, 2007
Instrument	2007-013084

Lender

Name	HOMECOMINGS FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2037

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	Plainview Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$30,443 (+3%) Land $3,600 Building $26,843	$253,689 (-25.08%) Land $30,000 Building $223,689
2025	$2,620.00 Homeowner's exemption	$29,556 (+14.88%) Land $3,600 Building $25,956	$338,608 (+14.38%) Land $30,000 Building $308,608
2024	$2,620.00 (+19.2%) Homeowner's exemption	$25,728 (+3%) Land $3,600 Building $22,128	$296,032 (+0.77%) Land $30,000 Building $266,032
2023	$2,198.00 Homeowner's exemption	$24,979 Land $3,600 Building $21,379	$293,783 Land $30,000 Building $263,783

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	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2024 · 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 94% of the US · lower than 96% of Oklahoma
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 218 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
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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