Ottawa County property record for 119 Cardinal Ln, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,434 sqft · built 1967 |
| Lot Size | 0.73 acres (31,728 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Jan 2024) |
| Tax Bill | $1,454 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20639 |
| Primary APN | 20639 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,434 sqft Living Area |
| 1st Floor Area | 2,434 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 31,728 sqft (0.73 acres) |
| Garage Type | Attached |
| Garage Area | 1,116 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 396 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20639 |
|---|---|
| Street Address | 119 CARDINAL LN |
| City | COMMERCE |
| State | OK |
| Zip | 74339-3105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 8 - 10, BLK 1 MIDWAY VILLAGE |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 7 |
| Legal Subdivision | MIDWAY VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 8-10 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 574200 |
Source: Ottawa County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 119 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 3, 2024 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2024 · Amount on Record |
| Deed Sale | Jan 3, 2024 · Amount on Record |
| Prior Sale | Apr 22, 2014 |
| Deed Document Number | 202430 |
| Deed Book / Page | 1197 / 794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OK |
| Property Address | 119 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 119 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 001243/505 |
|---|---|
| Date | Oct 2, 2025 |
| Book Page | 1243/505 |
| Instrument | I-2025-004498 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | Jan 3, 2024 |
| Property Address | 119 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | 001197/794 |
| Book / Page | 1197 / 794 |
| Instrument Date | Jan 3, 2024 |
| Instrument | I-2024-000030 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 119 CARDINAL LN, COMMERCE, OK 74339-3105 |
| Document Number | I2024000031 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | I-2024-000031 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
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 | $14,506 (-3.22%) Land $1,008 Building $13,498 | $127,244 (-3.22%) Land $8,840 Building $118,404 | |
| 2025 | $1,454.00 (+0.9%) | $14,988 (-4.99%) Land $1,008 Building $13,980 | $131,473 (-4.99%) Land $8,840 Building $122,633 |
| 2024 | $1,441.00 (+8.59%) Homeowner's exemption | $15,775 (-) Land $1,008 Building $14,767 | $138,372 (-) Land $8,840 Building $129,532 |
| 2023 | $1,327.00 (-1.56%) Homeowner's exemption | $15,775 (-) Land $1,008 Building $14,767 | $138,372 (-) Land $8,840 Building $129,532 |
| 2022 | $1,348.00 Homeowner's exemption | $15,775 Land $1,008 Building $14,767 | $138,372 Land $8,840 Building $129,532 |
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.
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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