115 Cardinal Ln, Commerce, OK 74339 Property Records

Ottawa County property record for 115 Cardinal Ln, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1969
Lot Size	0.24 acres (10,576 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,106 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20641`

Property Details

APN / Parcel Number

Primary APN	`20641`
Alternative APN	`5780-00-001-012-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2016
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,576 sqft (0.24 acres)
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20641
Street Address	115 CARDINAL LN
City	COMMERCE
State	OK
Zip	74339-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 12, BLK 1 MIDWAY VILLAGE
Legal Range	23E
Legal Township	28N
Legal Section	7
Legal Subdivision	MIDWAY VILLAGE
Legal Block	1
Legal Lot Number	12
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2014
Census Tract	574200

Owner

115 Cardinal Ln is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 CARDINAL LN, COMMERCE, OK 74339-3105
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2004
Deed Sale	Apr 15, 2004
Prior Sale	Aug 20, 1994
Deed Book / Page	755 / 657
Last Transfer Date	Mar 1, 2021
Transfer Doc	0000002762
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 16, 2023
Property Address	115 CARDINAL LN, COMMERCE, OK 74339-3105
Document Number	001192/526
Book / Page	1192 / 526
Instrument Date	Oct 13, 2023
Instrument	I-2023-004600
Transaction Type	Transfer
Record Updated	Nov 3, 2023
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	I2023004601
Date	Oct 16, 2023
Instrument	I-2023-004601

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 115 Cardinal Ln was $1,106 with a homeowner's exemption, up 0.9% 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		$11,175 (-1.97%) Land $1,373 Building $9,802	$98,030 (-1.97%) Land $12,048 Building $85,982
2025	$1,106.00 (+0.91%)	$11,400 (-) Land $1,373 Building $10,027	$100,000 (-) Land $12,048 Building $87,952
2024	$1,096.00 (+1,892.73%)	$11,400 (+336.78%) Land $775 Building $10,625	$100,000 (+61.92%) Land $6,800 Building $93,200
2023	$55.00 (-1.79%) Homeowner's exemption	$2,610 (-) Land $287 Building $2,323	$61,758 (-) Land $6,800 Building $54,958
2022	$56.00 Homeowner's exemption	$2,610 Land $287 Building $2,323	$61,758 Land $6,800 Building $54,958

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 115 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	Severe Storms And Flooding, Apr 1994 · 2 claims

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

Wildfire risk around 115 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.

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 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