116 N Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 116 N Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 874 sqft · built 1938
Lot Size	0.15 acres (6,320 sqft)
Owner	Company Name on File
Last Sale	$60,000 (Aug 2026)
Tax Bill	$223 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Aug 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`20366`

Property Details

APN / Parcel Number

Primary APN	`20366`
Alternative APN	`5630-00-076-006-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	874 sqft Living Area
1st Floor Area	874 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,320 sqft (0.15 acres)
Garage Type	Detached
Garage Area	416 sqft
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20366
Street Address	116 N CEDAR ST
City	COMMERCE
State	OK
Zip	74339-1821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6, BLK 76 FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Subdivision	FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Block	76
Legal Lot Number	6
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3071
Census Tract	574200

Owner

116 N Cedar St is owned by a company that bought it in August 2026 and is owner-occupied.

Source: Ottawa County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 1472, MIAMI, OK 74355-1472
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

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
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK
Aug 20, 2026	Warranty Deed, Transfer APEX TITLE AND CLOSING, APEX TITLE & CLOSING SERVICE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2026 · Amount on File
Deed Sale	Aug 20, 2026 · Amount on File
Deed Document Number	20264136
Deed Book / Page	1270 / 40
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Recording Date	Oct 2, 2026
Property Address	116 N CEDAR ST, COMMERCE, OK 74339-1821
Document Number	0000004935
Book / Page	1273 / 765
Instrument Date	Oct 2, 2026
Instrument	20264935
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000004935,
Date	Oct 2, 2026
Book Page	1273/765
Instrument	20264935

Lender

Name	WELCH STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Aug 20, 2026
Property Address	116 N CEDAR ST, COMMERCE, OK 74339-1821
Document Number	0000004136
Book / Page	1270 / 40
Instrument Date	Aug 18, 2026
Instrument	20264136
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	APEX TITLE AND CLOSING, APEX TITLE & CLOSING SERVICE

Transaction

Amount	Amount on Record
Tax	$9,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Tax Assessment & Valuation

The 2025 property tax bill for 116 N Cedar St was $223 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		$3,400 (+3%) Land $162 Building $3,238	$29,819 (-32.37%) Land $1,419 Building $28,400
2025	$223.00 (+0.9%) Homeowner's exemption	$3,301 (+3.03%) Land $162 Building $3,139	$44,093 (-11.29%) Land $1,419 Building $42,674
2024	$221.00 (+16.32%) Homeowner's exemption	$3,204 (+2.99%) Land $1,137 Building $2,067	$49,705 (-) Land $9,975 Building $39,730
2023	$190.00 (+3.26%) Homeowner's exemption	$3,111 (+3.01%) Land $1,137 Building $1,974	$49,705 (-) Land $9,975 Building $39,730
2022	$184.00 Homeowner's exemption	$3,020 Land $1,137 Building $1,883	$49,705 Land $9,975 Building $39,730

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 116 N Cedar 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 116 N Cedar 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 272 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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