Ottawa County property record for 104 Cardinal Ln, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 988 sqft · built 1969 |
| Lot Size | 0.19 acres (8,334 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $298 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Jul 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 20655 |
| Primary APN | 20655 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,334 sqft (0.19 acres) |
| Garage Type | Carport |
| Garage Area | 338 sqft |
| Carport | Carport |
| Carport Area | 338 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 216 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20655 |
|---|---|
| Street Address | 104 CARDINAL LN |
| City | COMMERCE |
| State | OK |
| Zip | 74339-3106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 4, BLK 3 MIDWAY VILLAGE |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 7 |
| Legal Subdivision | MIDWAY VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 574200 |
104 Cardinal Ln is owned and occupied by two individuals who acquired it in July 2026.
Source: Ottawa County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 10, 2026 | Correction Deed NONE LISTED ON DOCUMENT |
| Jul 30, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 30, 2026 |
| Transfer Doc | 0000003716 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | Aug 10, 2026 |
| Property Address | 104 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Document Number | 0000003918 |
| Book / Page | 1269 / 38 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 20263918 |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | Jul 30, 2026 |
| Property Address | 104 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Document Number | 0000003716 |
| Book / Page | 1268 / 122 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 20263716 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 CARDINAL LN, COMMERCE, OK 74339-3106 |
The 2025 property tax bill for 104 Cardinal Ln was $298 with a homeowner's exemption, up 0.7% from the year before.
Source: Ottawa County assessment roll, as of January 29, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Ottawa County |
| Municipality | Commerce City |
| Unified School District | Commerce Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,201 (+2.99%) Land $467 Building $3,734 | $36,849 (-49.24%) Land $4,098 Building $32,751 | |
| 2025 | $298.00 (+0.68%) Homeowner's exemption | $4,079 (+3.03%) Land $454 Building $3,625 | $72,596 (-3.32%) Land $6,800 Building $65,796 |
| 2024 | $296.00 (+16.08%) Homeowner's exemption | $3,959 (+2.99%) Land $440 Building $3,519 | $75,088 (-) Land $6,800 Building $68,288 |
| 2023 | $255.00 (+2.41%) Homeowner's exemption | $3,844 (+2.97%) Land $432 Building $3,412 | $75,088 (-) Land $6,800 Building $68,288 |
| 2022 | $249.00 Homeowner's exemption | $3,733 Land $424 Building $3,309 | $75,088 Land $6,800 Building $68,288 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Cardinal Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · 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 | 5 (1993–2007) |
| Most Recent Claim | Jul 2007 · Severe Storms, Flooding, And Tornadoes |
| Claims by Event |
|
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 risk around 104 Cardinal Ln is low, with a 0.04% annual chance of 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 | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 71 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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