Ottawa County property record for 110 Cardinal Ln, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,530 sqft · built 1977 |
| Lot Size | 0.23 acres (9,974 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $515 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20652 |
| Primary APN | 20652 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| 1st Floor Area | 1,530 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,974 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 284 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20652 |
|---|---|
| Street Address | 110 CARDINAL LN |
| City | COMMERCE |
| State | OK |
| Zip | 74339-3106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 1, BLK 3 MIDWAY VILLAGE NORTH MIAMI NOW COMMERCE (TRANSFER ON DEATH DEED TO CARA R. BLEVINS 1229/668) |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 7 |
| Legal Subdivision | MIDWAY VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 574200 |
Source: Ottawa County records, as of January 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 110 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 18, 2023 |
| Transfer Doc | 001189/527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OK |
| Property Address | 110 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 110 CARDINAL LN, COMMERCE, OK 74339-3106 |
| Document Number | 001243/482 |
|---|---|
| Date | Oct 2, 2025 |
| Book Page | 1243/482 |
| Instrument | I-2025-004496 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
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 |
|---|---|---|---|
| 2025 | $515.00 (+0.78%) Homeowner's exemption | $6,314 (+3%) Land $737 Building $5,577 | $87,354 (+4.24%) Land $6,800 Building $80,554 |
| 2024 | $511.00 (+14.83%) Homeowner's exemption | $6,130 (+2.99%) Land $716 Building $5,414 | $83,801 (-) Land $6,800 Building $77,001 |
| 2023 | $445.00 (+2.06%) Homeowner's exemption | $5,952 (+3.01%) Land $713 Building $5,239 | $83,801 (-) Land $6,800 Building $77,001 |
| 2022 | $436.00 Homeowner's exemption | $5,778 Land $710 Building $5,068 | $83,801 Land $6,800 Building $77,001 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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