912 Elm St, Ardmore, OK 73401 Property Records

Carter County property record for 912 Elm St, Ardmore, OK 73401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,692 sqft · built 1955
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Last Sale	$30,000 (Feb 2019)
Tax Bill	$1,129 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0205-00-008-007-0-001-00`

Property Details

APN / Parcel Number

Primary APN	`0205-00-008-007-0-001-00`
Alternative APN	`7650`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,692 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
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 15 ft wide
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	228 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7650
Street Address	912 ELM ST
City	ARDMORE
State	OK
Zip	73401-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CHICKASAW HEIGHTS REV, BLK 8 LOT 7 W 15 (15X150) LOT 8 (25X150) LOT 9 (25X150) LOT 10 E 15 (15X150)
Legal Range	02E
Legal Township	04S
Legal Section	19
Legal Subdivision	CHICKASAW HEIGHTS REVISED
Legal Block	8
Legal Lot Number	7-10
Jurisdiction	CARTER OK
Township / Civil Division	ARDMORE
Census Block Group	3
Census Block	3006
Census Tract	892601

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	Company Name on Record
Mailing Address	PO BOX 9, THACKERVILLE, OK 73459-0009
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK & TRUST CO
Mar 13, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK & TRUST CO
Mar 19, 2008	Deed of Trust, Mortgage BANCFIRST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2019 · Amount on Record
Deed Sale	Feb 20, 2019 · Amount on Record
Prior Sale	Oct 14, 1993
Deed Document Number	20192014
Deed Book / Page	6679 / 108
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	912 ELM ST, ARDMORE, OK 73401-1334
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006817/025
Date	Dec 18, 2019
Book Page	6817/025
Instrument	2019-014667

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 10, 2020

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	912 ELM ST, ARDMORE, OK 73401-1334
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006856/89
Date	Mar 13, 2020
Book Page	6856/89
Instrument	2020-003218

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 10, 2040

Interest

Rate Type	Adjustable Rate

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER OK
Property Address	912 ELM ST, ARDMORE, OK 73401-1334
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004803/049
Date	Mar 19, 2008
Book Page	4803/049
Instrument	2008-003732

Lender

Name	BANCFIRST
Address	MARIETTA, OK 73448

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 20, 2013

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		$11,878 (+4.99%) Land $1,749 Building $10,129	$98,986 (-22.82%) Land $14,575 Building $84,411
2025	$1,129.00	$11,313 (+5%) Land $1,666 Building $9,647	$128,253 (-7.06%) Land $20,000 Building $108,253
2024	$1,129.00 (+11.34%)	$10,774 (+5%) Land $1,586 Building $9,188	$137,994 (-1.75%) Land $20,000 Building $117,994
2023	$1,014.00	$10,261 Land $1,514 Building $8,747	$140,448 Land $20,000 Building $120,448

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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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