78 Howard St, Ardmore, OK 73401 Property Records

Carter County property record for 78 Howard St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1970
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$191,000 (Sep 2022)
Tax Bill	$2,406 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54110`

Property Details

APN / Parcel Number

Primary APN	`54110`
Alternative APN	`2990-06-05S-01E-1-026-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2021
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Shed	1 Shed
Shed Area	64 sqft
Utility Building	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	54110
Street Address	78 HOWARD ST
City	ARDMORE
State	OK
Zip	73401-8274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	S 136 N 453 E 208 E/2 NW NE (PT GOVT LOT 2)- 06 05S 01E
Legal Range	01E
Legal Township	05S
Legal Section	06
Legal Subdivision	LONE GROVE CITY TRACTS
Legal Block	5S
Legal Lot Number	2-6
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3018
Census Tract	892502

Owner

78 Howard St is owned and occupied by two individuals who bought it in September 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	78 HOWARD ST, ARDMORE, OK 73401-8274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Apr 9, 2021 · Amount on File
Deed Document Number	202210908
Deed Book / Page	7290 / 116
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Sep 29, 2022
Property Address	78 HOWARD ST, ARDMORE, OK 73401-8274
Document Number	007290/116
Book / Page	7290 / 116
Instrument Date	Sep 28, 2022
Instrument	I-2022-010908
Transaction Type	Transfer
Record Updated	Oct 17, 2022
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	$286.50
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	78 HOWARD ST, ARDMORE, OK 73401-8274

Mortgage

Document Number	I2022010909
Date	Sep 29, 2022
Instrument	I-2022-010909

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,499 (-2.28%) Land $3,600 Building $18,899	$187,490 (-2.27%) Land $30,000 Building $157,490
2025	$2,406.00 (-0.04%)	$23,023 (+3.5%) Land $3,600 Building $19,423	$191,853 (+3.5%) Land $30,000 Building $161,853
2024	$2,407.00 (+0.08%)	$22,244 (-2.95%) Land $3,114 Building $19,130	$185,369 (-2.95%) Land $25,950 Building $159,419
2023	$2,405.00	$22,920 Land $1,950 Building $20,970	$191,000 Land $16,250 Building $174,750

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 78 Howard St in Zone X, an area of minimal flood risk.

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	3 in force

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 78 Howard St is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · lower than 65% of Oklahoma
Wildfire Likelihood	0.2% 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	LONE GROVE serves 4,863 people · EPA ID OK2001007
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Chickasaw Telephone Company Fiber	1,000 / 500
Sparklight Cable	1,000 / 50
Arbuckle Communications Fixed Wireless	400 / 100
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband.

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