905 Elm St, Ardmore, OK 73401 Property Records

Carter County property record for 905 Elm St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,044 sqft · built 1956
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$64,000 (Jun 1997)
Tax Bill	$1,039 (2025)
Deeds & Mortgages	Mar 2012 Mortgage Mar 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0205-00-015-041-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0205-00-015-041-0-001-00`
Alternative APN	`7684`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,044 sqft Living Area
1st Floor Area	2,044 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 5 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Porch	Slab
Porch Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7684
Street Address	905 ELM ST
City	ARDMORE
State	OK
Zip	73401-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CHICKASAW HEIGHTS REV, BLK 15 LOT 41 E 5 (5X150) LOT 42 (25X150) LOT 43 (25X150) LOT 44 (25X150)
Legal Range	02E
Legal Township	04S
Legal Section	19
Legal Subdivision	CHICKASAW HEIGHTS REVISED
Legal Block	15
Legal Lot Number	41-44
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3001
Census Tract	892601

Owner

905 Elm St is owned and occupied by an individual who acquired it in November 2025.

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	Individual Name on File
Mailing Address	905 ELM ST, ARDMORE, OK 73401-1333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2012	Deed of Trust, Mortgage · Conventional Mortgage CALIBER FUNDING LLC
Mar 1, 2012	Deed of Trust, Mortgage · Conventional Mortgage CALIBER FUNDING LLC
Nov 5, 2025	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 1997 · Amount on File
Deed Sale	Jun 20, 1997 · Amount on File
Deed Book / Page	3145 / 146
Last Transfer Date	Nov 5, 2025
Transfer Doc	0007796/50
Record Updated	Oct 29, 2026

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	905 ELM ST, ARDMORE, OK 73401-1333
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005469/301
Date	Mar 1, 2012
Book Page	5469/301
Instrument	2012-002767

Lender

Name	CALIBER FUNDING LLC
Type	Mortgage Company
Address	IRVING, TX 75039

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2022

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	905 ELM ST, ARDMORE, OK 73401-1333
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	STEWART ABSTRACT AND TITLE, STEWART ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005469/289
Date	Mar 1, 2012
Book Page	5469/289
Instrument	2012-002767

Lender

Name	CALIBER FUNDING LLC
Type	Mortgage Company
Address	IRVING, TX 75039

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2022

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CARTER OK
Recording Date	Nov 5, 2025
Property Address	905 ELM ST, ARDMORE, OK 73401-1333
Document Number	0007796/50
Book / Page	7796 / 50
Instrument Date	Nov 5, 2025
Instrument	I-2025-011996
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 ELM ST, ARDMORE, OK 73401-1333

Tax Assessment & Valuation

The 2025 property tax bill for 905 Elm St was $1,039 with a homeowner's exemption.

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		$11,752 (+3%) Land $1,431 Building $10,321	$97,936 (-46.13%) Land $11,928 Building $86,008
2025	$1,039.00 Homeowner's exemption	$11,410 (+3.01%) Land $1,390 Building $10,020	$181,808 (-7.84%) Land $20,000 Building $161,808
2024	$1,039.00 (+7.78%) Homeowner's exemption	$11,077 (+2.99%) Land $1,349 Building $9,728	$197,265 (-1.95%) Land $20,000 Building $177,265
2023	$964.00 Homeowner's exemption	$10,755 Land $1,322 Building $9,433	$201,179 Land $20,000 Building $181,179

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 905 Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	1 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2025 · 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

The area around 905 Elm 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 227 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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