207 S Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 207 S Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 826 sqft · built 1935
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$57,000 (Jun 2026)
Tax Bill	$511 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20417`

Property Details

APN / Parcel Number

Primary APN	`20417`
Alternative APN	`5640-00-001-004-0-000-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	826 sqft Living Area
1st Floor Area	826 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Shed	1 Shed
Shed Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20417
Street Address	207 S CEDAR ST
City	COMMERCE
State	OK
Zip	74339-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4, BLK 1 ELLIOTT
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	1
Legal Lot Number	4
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3101
Census Tract	574200

Owner

Source: Ottawa County records, as of June 29, 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	207 S CEDAR ST, COMMERCE, OK 74339-2652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Prior Sale	Apr 7, 2025 · Amount on Record
Deed Document Number	20262955
Deed Book / Page	1264 / 416
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jun 18, 2026
Property Address	207 S CEDAR ST, COMMERCE, OK 74339-2652
Document Number	0000002955
Book / Page	1264 / 416
Instrument Date	Jun 18, 2026
Instrument	20262955
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	CHOCTAW COUNTY ABSTRACT AND TITLE, OTTAWA COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,635.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 S CEDAR ST, COMMERCE, OK 74339-2652

Mortgage

Document Number	0000002956,
Date	Jun 18, 2026
Instrument	20262956

Lender

Name	ARVEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000002957,
Date	Jun 18, 2026
Book Page	1264/433
Instrument	20262957

Lender

Name	ARVEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Jul 1, 2041

Interest

Rate	6.37%
Max Rate	-1%

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
2025	$511.00 (+0.99%)	$5,265 (-12.86%) Land $120 Building $5,145	$46,186 (-12.86%) Land $1,055 Building $45,131
2024	$506.00 (-6.81%)	$6,042 (-) Land $171 Building $5,871	$53,000 (-) Land $1,500 Building $51,500
2023	$543.00 (-1.45%)	$6,042 (-) Land $171 Building $5,871	$53,000 (-) Land $1,500 Building $51,500
2022	$551.00	$6,042 Land $171 Building $5,871	$53,000 Land $1,500 Building $51,500

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 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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