101 N Elm St, Commerce, OK 74339 Property Records

Ottawa County property record for 101 N Elm St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,278 sqft · built 1947
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (May 2025)
Tax Bill	$434 (2025)
Deeds & Mortgages	Sep 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20920`

Property Details

APN / Parcel Number

Primary APN	`20920`
Alternative APN	`5900-00-003-002-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,278 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,601 sqft (0.22 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20920
Street Address	101 N ELM ST
City	COMMERCE
State	OK
Zip	74339-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 2 - 3, BLK 3 WARTHEN PITTMAN
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	WARTHEN PITTMAN
Legal Block	3
Legal Lot Number	2,3
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3081
Census Tract	574200

Owner

Source: Ottawa 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	2 Individual Names on Record
Mailing Address	15 PIVOT ROCK RD, EUREKA SPRINGS, AR 72632-9512
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	20252137
Deed Book / Page	1232 / 654
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 5, 2017
Property Address	101 N ELM ST, COMMERCE, OK 74339-2007
Document Number	001056/007
Book / Page	1056 / 007
Instrument Date	Aug 21, 2017
Instrument	2017-003536
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.50
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	201 C ST NW, MIAMI, OK 74354-5811

Mortgage

Document Number	2017003537
Date	Sep 5, 2017
Instrument	2017-003537

Lender

Name	THE FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2037

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Ottawa County
Municipality	Commerce City
Unified School District	Commerce Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$7,411 (+65.53%) Land $576 Building $6,835	$65,000 (+65.52%) Land $5,050 Building $59,950
2025	$434.00 (+0.7%)	$4,477 (-4.21%) Land $577 Building $3,900	$39,270 (-4.22%) Land $5,060 Building $34,210
2024	$431.00 (+2.62%)	$4,674 (-) Land $1,003 Building $3,671	$41,000 (-) Land $8,800 Building $32,200
2023	$420.00 (-1.64%)	$4,674 (-) Land $1,003 Building $3,671	$41,000 (-) Land $8,800 Building $32,200
2022	$427.00	$4,674 Land $1,003 Building $3,671	$41,000 Land $8,800 Building $32,200

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 September 13, 2019

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	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	COMMERCE serves 2,645 people · EPA ID OK2005810
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	37 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20
Wisper ISP Fixed Wireless	100 / 20

May also be available: T-Mobile.

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