Ottawa County property record for 123 N Cedar St, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 810 sqft · built 1938 |
| Lot Size | 0.22 acres (9,599 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Jan 2025) |
| Tax Bill | $371 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20344 |
| Primary APN | 20344 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 810 sqft Living Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,599 sqft (0.22 acres) |
| Garage Type | Detached |
| Garage Area | 294 sqft |
| Porch | Slab |
| Porch Area | 49 sqft |
| Heating System | Floor/Wall Furnace |
|---|
| Account Number | 20344 |
|---|---|
| Street Address | 123 N CEDAR ST |
| City | COMMERCE |
| State | OK |
| Zip | 74339-1822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 13 - 14, BLK 72 FIRST ADDN TO NORTH MIAMI NOW COMMERCE |
| Legal Subdivision | FIRST ADDN TO NORTH MIAMI NOW COMMERCE |
| Legal Block | 72 |
| Legal Lot Number | 13,14 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 3 |
| Census Block | 3072 |
| 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 | 123 N CEDAR ST, COMMERCE, OK 74339-1822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2025 · Amount on Record |
| Deed Sale | Jan 14, 2025 · Amount on Record |
| Deed Document Number | 2025172 |
| Deed Book / Page | 1224 / 226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OK |
| Recording Date | May 5, 2026 |
| Property Address | 123 N CEDAR ST, COMMERCE, OK 74339-1822 |
| Document Number | 0000002108 |
| Book / Page | 1260 / 414 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 20262108 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 123 N CEDAR ST, COMMERCE, OK 74339-1822 |
| Document Number | 0000002108, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 1260/414 |
| Instrument | 20262108 |
| Name | ARVEST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 1, 2051 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
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 | $6,840 (+78.59%) Land $335 Building $6,505 | $60,000 (-) Land $2,940 Building $57,060 | |
| 2025 | $371.00 (+0.82%) | $3,830 (+4.99%) Land $336 Building $3,494 | $60,000 (+87.5%) Land $2,947 Building $57,053 |
| 2024 | $368.00 (+12.2%) | $3,648 (-) Land $336 Building $3,312 | $32,000 (-) Land $2,947 Building $29,053 |
| 2023 | $328.00 (-1.5%) | $3,648 (-) Land $336 Building $3,312 | $32,000 (-) Land $2,947 Building $29,053 |
| 2022 | $333.00 | $3,648 Land $336 Building $3,312 | $32,000 Land $2,947 Building $29,053 |
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
| 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.
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.
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 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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