105 Cardinal Ln, Commerce, OK 74339 Property Records

Ottawa County property record for 105 Cardinal Ln, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,132 sqft · built 1970
Lot Size	0.27 acres (11,892 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Mar 2022)
Tax Bill	$1,383 (2025)
Deeds & Mortgages	Mar 2022 Sale Sep 2020 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20645`

Property Details

APN / Parcel Number

Primary APN	`20645`
Alternative APN	`5780-00-001-017-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
1st Floor Area	1,132 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2018
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,892 sqft (0.27 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	152 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20645
Street Address	105 CARDINAL LN
City	COMMERCE
State	OK
Zip	74339-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 17, BLK 1 MIDWAY VILLAGE AFF 948/443
Legal Range	23E
Legal Township	28N
Legal Section	7
Legal Subdivision	MIDWAY VILLAGE
Legal Block	1
Legal Lot Number	17
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2014
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	PO BOX 63, COMMERCE, OK 74339-0063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Warranty Deed, Transfer
Sep 14, 2020	Warranty Deed, Transfer · Line of Credit SECURITY BANK & TRUST
Sep 26, 2018	Warranty Deed, Transfer
Sep 5, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	20221268
Deed Book / Page	1156 / 562
Prior Transfer Date	May 4, 2012
Prior Transfer Doc	001077/302
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Mar 11, 2022
Property Address	105 CARDINAL LN, COMMERCE, OK 74339-3105
Document Number	001156/562
Book / Page	1156 / 562
Instrument Date	Mar 10, 2022
Instrument	I-2022-001268
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Tax	$187.50
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	PO BOX 63, COMMERCE, OK 74339-0063

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 14, 2020
Property Address	105 CARDINAL LN, COMMERCE, OK 74339-3105
Document Number	001118/210
Book / Page	1118 / 210
Instrument Date	Sep 10, 2020
Instrument	2020-003927
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 N MICKEY MANTLE BLVD, COMMERCE, OK 74339-1106

Mortgage

Document Number	2020003928
Date	Sep 14, 2020
Instrument	2020-003928

Lender

Name	SECURITY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 26, 2018
Property Address	105 CARDINAL LN, COMMERCE, OK 74339-3105
Document Number	001078/350
Book / Page	1078 / 350
Instrument Date	Sep 25, 2018
Instrument	2018-004190
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount Recorded
Tax	$97.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	105 CARDINAL LN, COMMERCE, OK 74339-3105

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 5, 2018
Property Address	105 CARDINAL LN, COMMERCE, OK 74339-3105
Document Number	001077/302
Book / Page	1077 / 302
Instrument Date	May 4, 2012
Instrument	2018-003883
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1115 2ND ST, COMMERCE, OK 74339-1101

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		$14,216 (-0.24%) Land $589 Building $13,627	$124,705 (-0.24%) Land $5,168 Building $119,537
2025	$1,383.00 (+0.95%)	$14,250 (-) Land $589 Building $13,661	$125,000 (-) Land $5,168 Building $119,832
2024	$1,370.00 (+7.03%)	$14,250 (-) Land $697 Building $13,553	$125,000 (-) Land $6,110 Building $118,890
2023	$1,280.00 (+69.76%)	$14,250 (+72.41%) Land $697 Building $13,553	$125,000 (+72.41%) Land $6,110 Building $118,890
2022	$754.00	$8,265 Land $697 Building $7,568	$72,500 Land $6,110 Building $66,390

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 · 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	Severe Storms And Flooding, Apr 1994 · 2 claims

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 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.

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 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

105 Cardinal Ln, Commerce, OK 74339 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cardinal Ln

Nearby Streets

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