8 S Commerce St, Ardmore, OK 73401 Property Records

Carter County property record for 8 S Commerce St, Ardmore, OK 73401

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,053 sqft · built 1970
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$335,000 (Apr 2008)
Tax Bill	$1,670 (2025)
Deeds & Mortgages	Sep 2016 Mortgage Aug 2011 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0010-00-353-001-0-002-00`

Property Details

APN / Parcel Number

Primary APN	`0010-00-353-001-0-002-00`
Alternative APN	`3543`

Interior

Stories	1 Story
Building Area	1,053 sqft Total Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Raised
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	3543
Street Address	8 S COMMERCE ST
City	ARDMORE
State	OK
Zip	73401-3925
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C1
Legal Description	ARDMORE LOTS & BLKS, BLK 353 LOT 1 S 61.4 (IRREGULAR)
Legal Range	02E
Legal Township	04S
Legal Section	30
Legal Subdivision	ARDMORE CITY
Legal Block	353
Legal Lot Number	1
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	1
Census Block	1015
Census Tract	892900

Owner

8 S Commerce St, a commercial property, is owned by a company that bought it in April 2008.

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

Owner of Record	Company Name on File
Mailing Address	4117 MEADOWLARK DR, ARDMORE, OK 73401-5868
Owner Type	Company
Vesting	Company

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

Date	Document
Sep 23, 2016	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK & TRUST CO
Aug 16, 2011	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK & TRUST CO
Aug 7, 2012	Warranty Deed, Transfer
Apr 15, 2008	Joint Tenancy Deed, Transfer LANDMARK BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2008 · Amount on File
Deed Sale	Apr 15, 2008 · Amount on File
Deed Document Number	20084948
Deed Book / Page	4818 / 26
Prior Transfer Date	Apr 14, 2008
Prior Transfer Doc	004818/026
Record Updated	Oct 29, 2026

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	8 S COMMERCE ST, ARDMORE, OK 73401-3925
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006303/047
Date	Sep 23, 2016
Book Page	6303/047
Instrument	2016-010417

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 15, 2026

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	8 S COMMERCE ST, ARDMORE, OK 73401-3925
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	005367/028
Date	Aug 16, 2011
Book Page	5367/028
Instrument	2011-009933

Lender

Name	FIRST BANK & TRUST CO
Address	ARDMORE, OK 73401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 15, 2016

August 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Aug 7, 2012
Property Address	8 S COMMERCE ST, ARDMORE, OK 73401-3925
Document Number	005555/115
Book / Page	5555 / 115
Instrument Date	Jul 25, 2012
Instrument	2012-010500
Transaction Type	Transfer
Record Updated	Jan 27, 2026

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
Address	2509 WESTWOOD CT, ARDMORE, OK 73401-2265

April 2008: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	CARTER OK
Recording Date	Apr 15, 2008
Property Address	8 S COMMERCE ST, ARDMORE, OK 73401-3925
Document Number	004818/026
Book / Page	4818 / 026
Instrument Date	Apr 14, 2008
Instrument	2008-004948
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Investor	Possibly a Property Investor

Mortgage

Document Number	2008004949
Date	Apr 15, 2008
Instrument	2008-004949

Lender

Name	LANDMARK BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 20, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8 S Commerce St was $1,670.

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		$16,038 (-4.14%) Land $10,976 Building $5,062	$133,655 (-4.13%) Land $91,470 Building $42,185
2025	$1,670.00	$16,730 Land $10,976 Building $5,754	$139,420 Land $91,470 Building $47,950
2023	$1,626.00	$16,462 Land $10,976 Building $5,486	$137,183 Land $91,470 Building $45,713

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 8 S Commerce St in Zone X, an area of minimal flood risk.

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

The area around 8 S Commerce St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 293 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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