119 N Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 119 N Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,332 sqft · built 2020
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$93,500 (Jan 2023)
Tax Bill	$1,034 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20309`

Property Details

APN / Parcel Number

Primary APN	`20309`
Alternative APN	`5630-00-068-014-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)
Garage Type	Attached
Porch	Slab
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20309
Street Address	119 N WALNUT ST
City	COMMERCE
State	OK
Zip	74339-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 14, BLK 68 FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Subdivision	FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Block	68
Legal Lot Number	14
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3060
Census Tract	574200

Owner

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	Individual Name on Record
Mailing Address	119 N WALNUT ST, COMMERCE, OK 74339-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · FHA Mortgage ARVEST BANK
Jan 10, 2023	Warranty Deed, Transfer · FHA Mortgage ARVEST BANK
May 23, 2022	Intrafamily Transfer, Transfer · Line of Credit WELCH STATE BANK OF WELCH OK
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK OF WELCH OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2023 · Amount on Record
Deed Sale	Jan 10, 2023 · Amount on Record
Deed Document Number	2023115
Deed Book / Page	1175 / 736
Prior Transfer Date	May 17, 2022
Prior Transfer Doc	001162/163
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	119 N WALNUT ST, COMMERCE, OK 74339-1824
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 N WALNUT ST, COMMERCE, OK 74339-1824

Mortgage

Document Number	001250/660
Date	Jan 5, 2026
Book Page	1250/660
Instrument	I-2026-000050

Lender

Name	ARVEST BANK
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2055

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jan 10, 2023
Property Address	119 N WALNUT ST, COMMERCE, OK 74339-1824
Document Number	001175/736
Book / Page	1175 / 736
Instrument Date	Jan 9, 2023
Instrument	I-2023-000115
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 N WALNUT ST, COMMERCE, OK 74339-1824

Mortgage

Document Number	I2023000116
Date	Jan 10, 2023
Instrument	I-2023-000116

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA OK
Recording Date	May 23, 2022
Property Address	119 N WALNUT ST, COMMERCE, OK 74339-1824
Document Number	001162/163
Book / Page	1162 / 163
Instrument Date	May 17, 2022
Instrument	I-2022-002718
Transaction Type	Transfer
Record Updated	Jun 6, 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	119 N WALNUT ST, COMMERCE, OK 74339-1824

Mortgage

Document Number	I2022002719
Date	May 23, 2022
Instrument	I-2022-002719

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 17, 2037

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	119 N WALNUT ST, COMMERCE, OK 74339-1824
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001052/053
Date	Jun 27, 2017
Book Page	1052/053
Instrument	2017-002548

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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		$11,092 (+4.06%) Land $215 Building $10,877	$97,297 (+4.06%) Land $1,886 Building $95,411
2025	$1,034.00 (+0.88%)	$10,659 (-) Land $215 Building $10,444	$93,500 (-) Land $1,886 Building $91,614
2024	$1,025.00 (+5,929.41%)	$10,659 (+5,6%) Land $119 Building $10,540	$93,500 (-26.65%) Land $1,040 Building $92,460
2023	$17.00 (+6.25%)	$187 (+5.06%) Land $162 Building $25	$127,477 (-) Land $1,419 Building $126,058
2022	$16.00	$178 Land $162 Building $16	$127,477 Land $1,419 Building $126,058

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

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

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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