200 S Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 200 S Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,403 sqft · built 1943
Lot Size	0.259 acres (11,280 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Sep 2025)
Tax Bill	$540 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`20431`

Property Details

APN / Parcel Number

Primary APN	`20431`
Alternative APN	`5640-00-002-012-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,403 sqft Living Area
1st Floor Area	1,403 sqft
Basement Area	1 sqft
Cellar	Cellar
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1996
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,280 sqft (0.259 acres)
Lot Dimensions	120 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20431
Street Address	200 S CEDAR ST
City	COMMERCE
State	OK
Zip	74339-2653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 12 - 13, BLK 2 ELLIOTT
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	2
Legal Lot Number	12,13
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3102
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	200 S CEDAR ST, COMMERCE, OK 74339-2653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Warranty Deed, Transfer · FHA Mortgage CLICK N CLOSE INC
May 6, 2025	Warranty Deed, Transfer OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	May 6, 2025 · Amount on Record
Deed Document Number	20254153
Deed Book / Page	1242 / 82
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 15, 2025
Property Address	200 S CEDAR ST, COMMERCE, OK 74339-2653
Document Number	0001242/82
Book / Page	1242 / 82
Instrument Date	Sep 12, 2025
Instrument	I-2025-004153
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$223.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 S CEDAR ST, COMMERCE, OK 74339-2653

Mortgage

Document Number	I2025004154
Date	Sep 15, 2025
Instrument	I-2025-004154

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	001242/100
Date	Sep 15, 2025
Book Page	1242/100
Instrument	I-2025-004155

Lender

Name	CHOCTAW HOME FINANCE CORP
Type	Government Agency
Address	HUGO, OK 74743

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Oct 1, 2030

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	May 6, 2025
Property Address	200 S CEDAR ST, COMMERCE, OK 74339-2653
Document Number	0001232/57
Book / Page	1232 / 57
Instrument Date	May 5, 2025
Instrument	I-2025-001980
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Tax	$86.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62750 E 90 RD, MIAMI, OK 74354-3733

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		$16,986 (+205.23%) Land $156 Building $16,830	$149,000 (+205.26%) Land $1,370 Building $147,630
2025	$540.00 (+0.93%)	$5,565 (-17.69%) Land $197 Building $5,368	$48,811 (-17.7%) Land $1,725 Building $47,086
2024	$535.00 (-11.86%)	$6,761 (-) Land $197 Building $6,564	$59,308 (-) Land $1,725 Building $57,583
2023	$607.00 (+1.17%)	$6,761 (+2.91%) Land $197 Building $6,564	$59,308 (-) Land $1,725 Building $57,583
2022	$600.00	$6,570 Land $197 Building $6,373	$59,308 Land $1,725 Building $57,583

Assessed value is set for property tax purposes, not a market price estimate; it is 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 388 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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