109 N Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 109 N Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 744 sqft · built 1938
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Oct 2024)
Tax Bill	$497 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20312`

Property Details

APN / Parcel Number

Primary APN	`20312`
Alternative APN	`5630-00-068-019-0-000-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	744 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	20312
Street Address	109 N WALNUT ST
City	COMMERCE
State	OK
Zip	74339-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 19, BLK 68 FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Subdivision	FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Block	68
Legal Lot Number	19
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3060
Census Tract	574200

Owner

109 N Walnut St is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	109 N WALNUT ST, COMMERCE, OK 74339-1824
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

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit SECURITY BANK & TRUST
Oct 2, 2020	Personal Representative Deed, Transfer · Line of Credit SECURITY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	Feb 16, 2024 · Amount on File
Deed Document Number	20244597
Deed Book / Page	1218 / 172
Prior Transfer Date	Oct 10, 2024
Prior Transfer Doc	001218/192
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	109 N WALNUT ST, COMMERCE, OK 74339-1824
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58901 E 101 RD, MIAMI, OK 74354-4587

Mortgage

Document Number	001189/392
Date	Aug 18, 2023
Book Page	1189/392
Instrument	I-2023-003690

Lender

Name	SECURITY BANK & TRUST
Type	Bank
Address	MIAMI, OK 74354

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 2, 2020
Property Address	109 N WALNUT ST, COMMERCE, OK 74339-1824
Document Number	001119/239
Book / Page	1119 / 239
Instrument Date	Oct 1, 2020
Instrument	2020-004235
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58901 E 101 RD, MIAMI, OK 74354-4587

Mortgage

Document Number	2020004236
Date	Oct 2, 2020
Instrument	2020-004236

Lender

Name	SECURITY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 N Walnut St was $497 with a homeowner's exemption, up 0.8% 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		$5,119 (-0.21%) Land $677 Building $4,442	$44,897 (-0.23%) Land $5,936 Building $38,961
2025	$497.00 (+0.81%)	$5,130 (+21.88%) Land $677 Building $4,453	$45,000 (+21.9%) Land $5,936 Building $39,064
2024	$493.00 (+30.42%)	$4,209 (-) Land $162 Building $4,047	$36,917 (-) Land $1,419 Building $35,498
2023	$378.00 (-1.56%)	$4,209 (-) Land $162 Building $4,047	$36,917 (-) Land $1,419 Building $35,498
2022	$384.00	$4,209 Land $162 Building $4,047	$36,917 Land $1,419 Building $35,498

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 109 N Walnut 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

Wildfire risk around 109 N Walnut 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.

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 388 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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