Ottawa County property record for 109 N Elm St, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,492 sqft · built 1937 |
| Lot Size | 0.14 acres (6,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $12,000 (May 2025) |
| Tax Bill | $443 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20917 |
| Primary APN | 20917 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,492 sqft Living Area |
| 1st Floor Area | 1,492 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,001 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20917 |
|---|---|
| Street Address | 109 N ELM ST |
| City | COMMERCE |
| State | OK |
| Zip | 74339-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 8 & N 10' LT 9, BLK 2 WARTHEN PITTMAN |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 6 |
| Legal Subdivision | WARTHEN PITTMAN |
| Legal Block | 2 |
| Legal Lot Number | 8,9 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 3 |
| Census Block | 3070 |
| Census Tract | 574200 |
109 N Elm St is owned and occupied by an individual who bought it in May 2025.
Source: Ottawa County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 N ELM ST, COMMERCE, OK 74339-2013 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2025 · Amount on File |
| Deed Sale | May 20, 2025 · Amount on File |
| Prior Sale | May 13, 2008 · Amount on File |
| Deed Document Number | 20252213 |
| Deed Book / Page | 1233 / 53 |
| Prior Transfer Date | May 15, 2025 |
| Prior Transfer Doc | 0000002213 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 109 N Elm St was $443 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 | $5,366 (-3.71%) Land $539 Building $4,827 | $47,075 (-3.7%) Land $4,730 Building $42,345 | |
| 2025 | $443.00 (+0.68%) Homeowner's exemption | $5,573 (-13.69%) Land $539 Building $5,034 | $48,886 (-13.69%) Land $4,730 Building $44,156 |
| 2024 | $440.00 (-10.2%) Homeowner's exemption | $6,457 (-) Land $539 Building $5,918 | $56,640 (-) Land $4,730 Building $51,910 |
| 2023 | $490.00 (-1.61%) Homeowner's exemption | $6,457 (-) Land $539 Building $5,918 | $56,640 (-) Land $4,730 Building $51,910 |
| 2022 | $498.00 Homeowner's exemption | $6,457 Land $539 Building $5,918 | $56,640 Land $4,730 Building $51,910 |
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.
FEMA maps place 109 N Elm St in Zone X, an area of minimal flood risk.
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 risk around 109 N Elm St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 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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