800 N Commerce St, Ardmore, OK 73401 Property Records

Carter County property record for 800 N Commerce St, Ardmore, OK 73401

Property Summary

Property Type	Medical Building
Details	2 ba · 36 sqft · built 1975
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$100,500 (Feb 1995)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Oct 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0010-00-97B-037-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0010-00-97B-037-0-001-00`
Alternative APN	`827`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	36 sqft Total Area
Gross Area	2,157 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	47 ft deep x 36 ft wide
Porch	Slab
Porch Area	808 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	827
Street Address	800 N COMMERCE ST
City	ARDMORE
State	OK
Zip	73401-3917
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Local Zoning Code	C1
Legal Description	ARDMORE LOTS & BLKS, BLK 97B (SOU. DEV CO. RE-SUB) LOT 37 E 36 N 47.98 (36X47.98) & S 74.02 (68X 74.02) LOT 38S 74.02(67X74.0
Legal Range	02E
Legal Township	04S
Legal Section	30
Legal Subdivision	ARDMORE CITY
Legal Block	97B
Legal Lot Number	37,39
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2025
Census Tract	893100

Owner

800 N Commerce St, a commercial property, is owned by two individuals who bought it in February 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Owner Type	Individual

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
Jun 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Oct 11, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Jun 9, 2016	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Oct 7, 2009	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK &TRUST CO OF ARDMORE
Oct 21, 2009	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO OF ARDMOR
Jun 28, 2011	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 1995 · Amount on File
Deed Sale	Feb 17, 1995 · Amount on File
Deed Book / Page	1965 / 302
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006407/200
Date	Jun 16, 2017
Book Page	6407/200
Instrument	2017-006212

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jun 26, 2024

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006787/056
Date	Oct 11, 2019
Book Page	6787/056
Instrument	2019-011674

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	63 Months
Due	Jan 2, 2025

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006259/099
Date	Jun 9, 2016
Book Page	6259/099
Instrument	2016-006670

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	7 Months
Due	Jan 25, 2017

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	005059/253
Date	Oct 7, 2009
Book Page	5059/253
Instrument	2009-011278

Lender

Name	FIRST NATIONAL BANK &TRUST CO OF ARDMORE
Address	ARDMORE, OK 73401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	Mar 22, 2010

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005065/160
Date	Oct 21, 2009
Book Page	5065/160
Instrument	2009-011826

Lender

Name	FIRST NATIONAL BANK & TRUST CO OF ARDMOR
Address	ARDMORE, OK 73401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	33 Months
Due	Jul 13, 2012

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	800 N COMMERCE ST, ARDMORE, OK 73401-3917
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005344/112
Date	Jun 28, 2011
Book Page	5344/112
Instrument	2011-007730

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	ARDMORE, OK 73401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jun 24, 2014

Tax Assessment & Valuation

The 2025 property tax bill for 800 N Commerce St was $2,318.

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		$23,350 (+0.53%) Land $12,027 Building $11,323	$194,578 (+0.53%) Land $100,221 Building $94,357
2025	$2,318.00 (-0.04%)	$23,226 (+3.07%) Land $12,027 Building $11,199	$193,547 (+3.07%) Land $100,221 Building $93,326
2024	$2,319.00 (+5.7%)	$22,534 (+1.49%) Land $12,027 Building $10,507	$187,779 (-) Land $100,221 Building $87,558
2023	$2,194.00	$22,203 Land $11,838 Building $10,365	$187,779 Land $100,221 Building $87,558

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 800 N Commerce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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 Claims	2 (1980)
Most Recent Claim	Aug 1980 · tidal / storm surge

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 800 N Commerce St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 390 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: 360 Broadband, Arbuckle Communications.

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