106 Cardinal Ln, Commerce, OK 74339 Property Records

Ottawa County property record for 106 Cardinal Ln, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,178 sqft · built 1969
Lot Size	0.2 acres (8,709 sqft)
Owner	2 Individual Names on File
Last Sale	$26,500 (May 1997)
Tax Bill	$329 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20654`

Property Details

APN / Parcel Number

Primary APN	`20654`
Alternative APN	`5780-00-003-003-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,178 sqft Living Area
1st Floor Area	1,178 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,709 sqft (0.2 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Porch	Slab
Porch Area	100 sqft
Deck Area	476 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20654
Street Address	106 CARDINAL LN
City	COMMERCE
State	OK
Zip	74339-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3, BLK 3 MIDWAY VILLAGE
Legal Range	23E
Legal Township	28N
Legal Section	7
Legal Subdivision	MIDWAY VILLAGE
Legal Block	3
Legal Lot Number	3
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2019
Census Tract	574200

Owner

106 Cardinal Ln is owned and occupied by two individuals who bought it in May 1997.

Source: Ottawa County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 1997 · Amount on File
Deed Sale	May 23, 1997 · Amount on File
Deed Book / Page	610 / 466
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	106 CARDINAL LN, COMMERCE, OK 74339-3106
Transaction Type	Mortgage
Record Updated	Aug 5, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1114/397
Date	Jul 23, 2020
Book Page	1114/397
Instrument	2020-003011

Lender

Name	ARVEST BANK
Type	Bank
Address	72274

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 106 Cardinal Ln was $329 with a homeowner's exemption, up 0.9% from the year before.

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		$4,522 (+3.01%) Land $468 Building $4,054	$39,666 (-54.89%) Land $4,106 Building $35,560
2025	$329.00 (+0.92%) Homeowner's exemption	$4,390 (+3%) Land $454 Building $3,936	$87,929 (-5.3%) Land $6,800 Building $81,129
2024	$326.00 (+15.6%) Homeowner's exemption	$4,262 (+2.97%) Land $441 Building $3,821	$92,848 (-) Land $6,800 Building $86,048
2023	$282.00 (+2.55%) Homeowner's exemption	$4,139 (+3.01%) Land $435 Building $3,704	$92,848 (-) Land $6,800 Building $86,048
2022	$275.00 Homeowner's exemption	$4,018 Land $428 Building $3,590	$92,848 Land $6,800 Building $86,048

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 106 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	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

Wildfire risk around 106 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.

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