112 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 112 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,490 sqft · built 1974
Lot Size	0.21 acres (9,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$492 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20004`

Property Details

APN / Parcel Number

Primary APN	`20004`
Alternative APN	`5625-00-034-011-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
1st Floor Area	1,490 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.21 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	366 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20004
Street Address	112 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 11 - 13, BLK 34 NORTH MIAMI NOW COMMERCE 650/649
Legal Subdivision	NORTH MIAMI NOW COMMERCE
Legal Block	34
Legal Lot Number	11-13
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3051
Census Tract	574200

Owner

112 N Main St, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 174, WELCH, OK 74369-0174
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
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA OK
Recording Date	Oct 16, 2020
Property Address	112 N MAIN ST, COMMERCE, OK 74339-1425
Document Number	0001120/73
Book / Page	1120 / 73
Instrument Date	Oct 8, 2020
Instrument	2020-004481
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 174, WELCH, OK 74369-0174

Mortgage

Document Number	2020004482
Date	Oct 16, 2020
Instrument	2020-004482

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.5%
Index	1-Year CMT
Margin	3
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 112 N Main St was $492, 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		$5,330 (+5%) Land $306 Building $5,024	$46,751 (-45.34%) Land $2,682 Building $44,069
2025	$492.00 (+0.82%)	$5,076 (+5.01%) Land $306 Building $4,770	$85,530 (-10.24%) Land $2,682 Building $82,848
2024	$488.00 (+18.16%)	$4,834 (+5%) Land $306 Building $4,528	$95,284 (-) Land $2,682 Building $92,602
2023	$413.00 (+3.25%)	$4,604 (+4.99%) Land $306 Building $4,298	$95,284 (-) Land $2,682 Building $92,602
2022	$400.00	$4,385 Land $306 Building $4,079	$95,284 Land $2,682 Building $92,602

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 112 N Main 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 112 N Main 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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