122 Cardinal Ln, Commerce, OK 74339 Property Records

Ottawa County property record for 122 Cardinal Ln, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1968
Lot Size	0.18 acres (8,033 sqft)
Owner	2 Individual Names on Record
Last Sale	$83,000 (Jul 2021)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20665`

Property Details

APN / Parcel Number

Primary APN	`20665`
Alternative APN	`5780-00-005-003-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2012
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Stone
Foundation Type	Block
Roof Type	Hip
Roof Material	Metal
Lot Area	8,033 sqft (0.18 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20665
Street Address	122 CARDINAL LN
City	COMMERCE
State	OK
Zip	74339-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3, BLK 5 MIDWAY VILLAGE
Legal Range	23E
Legal Township	28N
Legal Section	7
Legal Subdivision	MIDWAY VILLAGE
Legal Block	5
Legal Lot Number	3
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2018
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	2 Individual Names on Record
Mailing Address	PO BOX 134, MIAMI, OK 74355-0134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Warranty Deed, Transfer · FHA Mortgage BANK2
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK OF WELCH OK
Aug 21, 2017	Quit Claim Deed, Transfer NOT AVAILABLE, OTTAWA COUNTY ABSTRACT & TIT
Jun 8, 2017	Quit Claim Deed, Transfer NOT AVAILABLE, OTTAWA COUNTY ABSTRACT & TIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Sep 14, 2009 · Amount on Record
Deed Document Number	20213681
Deed Book / Page	1140 / 55
Prior Transfer Date	Aug 21, 2017
Prior Transfer Doc	001055/109
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 16, 2021
Property Address	122 CARDINAL LN, COMMERCE, OK 74339-3140
Document Number	1140/55
Book / Page	1140 / 55
Instrument Date	Jul 15, 2021
Instrument	2021-003681
Transaction Type	Transfer
Record Updated	Aug 2, 2021
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	$124.50
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
Address	PO BOX 134, MIAMI, OK 74355-0134

Mortgage

Document Number	2021003682
Date	Jul 16, 2021
Instrument	2021-003682

Lender

Name	BANK2
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	122 CARDINAL LN, COMMERCE, OK 74339-3140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1057/034
Date	Sep 25, 2017
Book Page	1057/034
Instrument	2017-003822

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 19, 2042

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Aug 21, 2017
Property Address	122 CARDINAL LN, COMMERCE, OK 74339-3140
Document Number	001055/109
Book / Page	1055 / 109
Instrument Date	Aug 21, 2017
Instrument	2017-003317
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	NOT AVAILABLE, OTTAWA COUNTY ABSTRACT & TIT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CARZLURAL LN, COMMERCE, OK 74339

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Jun 8, 2017
Property Address	122 CARDINAL LN, COMMERCE, OK 74339-3140
Document Number	001051/051
Book / Page	1051 / 051
Instrument Date	Apr 11, 2014
Instrument	2017-002296
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	NOT AVAILABLE, OTTAWA COUNTY ABSTRACT & TIT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N MAIN, WYANDOTTE, OK 74370-4002

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		$9,466 (+0.04%) Land $755 Building $8,711	$83,036 (+0.04%) Land $6,627 Building $76,409
2025	Homeowner's exemption	$9,462 (-) Land $755 Building $8,707	$83,000 (-) Land $6,627 Building $76,373
2023	Homeowner's exemption	$9,462 Land $775 Building $8,687	$83,000 Land $6,800 Building $76,200

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 90% of Oklahoma
Wildfire Likelihood	0.06% 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 133 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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