Ottawa County property record for 111 Cardinal Ln, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,453 sqft · built 1994 |
| Lot Size | 0.69 acres (29,869 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,500 (Jul 2025) |
| Tax Bill | $1,293 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20643 |
| Primary APN | 20643 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,453 sqft Living Area |
| 1st Floor Area | 1,646 sqft |
| Upper Floors Area | 617 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,869 sqft (0.69 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 227 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20643 |
|---|---|
| Street Address | 111 CARDINAL LN |
| City | COMMERCE |
| State | OK |
| Zip | 74339-3105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 14 - 15, BLK 1 MIDWAY VILLAGE 551/334 |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 7 |
| Legal Subdivision | MIDWAY VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 14,15 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 574200 |
111 Cardinal Ln is owned and occupied by two individuals who bought it in July 2025.
Source: Ottawa County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 111 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage WELCH STATE BANK |
| May 20, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage WELCH STATE BANK |
| Jul 28, 2025 | Warranty Deed, Transfer · Closed-End Mortgage WELCH STATE BANK OF WELCH OK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2025 · Amount on File |
| Deed Sale | Jul 28, 2025 · Amount on File |
| Prior Sale | Sep 25, 1992 |
| Deed Document Number | 20253394 |
| Deed Book / Page | 1238 / 156 |
| Prior Transfer Date | Jul 25, 2025 |
| Prior Transfer Doc | 0000003393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | May 20, 2026 |
| Property Address | 111 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 001261/558 |
| Book / Page | 1261 / 558 |
| Instrument Date | May 15, 2026 |
| Instrument | 20262350 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 111 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 0000002351, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 20262351 |
| Name | WELCH STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | May 20, 2026 |
| Property Address | 111 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 0000002350 |
| Book / Page | 1261 / 558 |
| Instrument Date | May 15, 2026 |
| Instrument | 20262350 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 111 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 0000002351, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 20262351 |
| Name | WELCH STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | Jul 28, 2025 |
| Property Address | 111 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 001238/156 |
| Book / Page | 1238 / 156 |
| Instrument Date | Jul 21, 2025 |
| Instrument | I-2025-003394 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | APEX TITLE NORTHEAST OK LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $344.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 914 23RD AVE SW, MIAMI, OK 74354-9004 |
| Document Number | I2025003396 |
|---|---|
| Date | Jul 28, 2025 |
| Instrument | I-2025-003396 |
| Name | WELCH STATE BANK OF WELCH OK |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 21, 2026 |
The 2025 property tax bill for 111 Cardinal Ln was $1,293 with a homeowner's exemption, up 0.9% 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 | $26,163 (+82.69%) Land $3,022 Building $23,141 | $229,500 (+24.08%) Land $26,510 Building $202,990 | |
| 2025 | $1,293.00 (+0.94%) Homeowner's exemption | $14,321 (+3%) Land $891 Building $13,430 | $184,965 (+1.78%) Land $7,820 Building $177,145 |
| 2024 | $1,281.00 (+14.07%) Homeowner's exemption | $13,904 (+3%) Land $891 Building $13,013 | $181,735 (-) Land $7,820 Building $173,915 |
| 2023 | $1,123.00 (+1.63%) Homeowner's exemption | $13,499 (+3%) Land $891 Building $12,608 | $181,735 (-) Land $7,820 Building $173,915 |
| 2022 | $1,105.00 Homeowner's exemption | $13,106 Land $891 Building $12,215 | $181,735 Land $7,820 Building $173,915 |
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 111 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 |
|
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 risk around 111 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.
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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