825 Virginia Ln, Ardmore, OK 73401 Property Records

Carter County property record for 825 Virginia Ln, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,360 sqft · built 1965
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2017)
Deeds & Mortgages	Aug 2009 Reverse Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0615-00-002-006-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0615-00-002-006-0-001-00`
Alternative APN	`9939`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,360 sqft Living Area
1st Floor Area	2,360 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	140 ft deep x 16 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	526 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	9939
Street Address	825 VIRGINIA LN
City	ARDMORE
State	OK
Zip	73401-3447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HORNE SUBD' AMENDED, BLK 2 LOT 6 S 16 (16X140) LOT 7 (125X64.4X55.5X165X91.5)
Legal Range	01E
Legal Township	04S
Legal Section	36
Legal Subdivision	HORNE ADDN AMENDED
Legal Block	2
Legal Lot Number	6,7
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	2
Census Block	2017
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	825 VIRGINIA LN, ARDMORE, OK 73401-3447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2009	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE COMPANY INC
May 28, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 28, 2017	Warranty Deed, Transfer · VA Mortgage ASSOCIATED MORTGAGE CORP
Nov 18, 2015	Warranty Deed, Transfer · VA Mortgage FIRST BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Prior Sale	Nov 18, 2015 · Amount on Record
Deed Document Number	20171948
Deed Book / Page	6365 / 13
Record Updated	Oct 29, 2026

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	825 VIRGINIA LN, ARDMORE, OK 73401-3447
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005034/167
Date	Aug 10, 2009
Book Page	5034/167
Instrument	2009-008649

Lender

Name	CHERRY CREEK MORTGAGE COMPANY INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	881 Months
Due	Jan 21, 2083

Interest

Rate Type	Adjustable Rate
Rate	3.28%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2009
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13.2%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	825 VIRGINIA LN, ARDMORE, OK 73401-3447
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007049/240
Date	May 28, 2021
Book Page	7049/240
Instrument	2021-005850

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	262 Months
Due	Mar 1, 2043

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Feb 28, 2017
Property Address	825 VIRGINIA LN, ARDMORE, OK 73401-3447
Document Number	006365/013
Book / Page	6365 / 013
Instrument Date	Feb 27, 2017
Instrument	2017-001948
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
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	2017001949
Date	Feb 28, 2017
Instrument	2017-001949

Lender

Name	ASSOCIATED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

November 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER OK
Recording Date	Nov 18, 2015
Property Address	825 VIRGINIA LN, ARDMORE, OK 73401-3447
Document Number	006165/324
Book / Page	6165 / 324
Instrument Date	Nov 16, 2015
Instrument	2015-013563
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216.75
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	825 VIRGINIA LN, ARDMORE, OK 73401-3447

Mortgage

Document Number	2015013564
Date	Nov 18, 2015
Instrument	2015-013564

Lender

Name	FIRST BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2045

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
2026		$24,408 (+3%) Land $2,400 Building $22,008	$203,396 (-25.23%) Land $20,000 Building $183,396
2025	Homeowner's exemption	$23,696 (+6.09%) Land $2,400 Building $21,296	$272,019 (+17.67%) Land $20,000 Building $252,019
2023	Homeowner's exemption	$22,336 Land $2,400 Building $19,936	$231,168 Land $20,000 Building $211,168

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 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% 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 358 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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