208 N Cherry St, Commerce, OK 74339 Property Records

Ottawa County property record for 208 N Cherry St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,908 sqft · built 1990
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (Dec 2025)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20254`

Property Details

APN / Parcel Number

Primary APN	`20254`
Alternative APN	`5630-00-063-006-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,908 sqft Living Area
1st Floor Area	1,908 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	9,600 sqft (0.22 acres)
Garage Type	Detached
Garage Area	1,248 sqft

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20254
Street Address	208 N CHERRY ST
City	COMMERCE
State	OK
Zip	74339-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 6 - 7, BLK 63 FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Subdivision	FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Block	63
Legal Lot Number	6,7
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3044
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	208 N CHERRY ST, COMMERCE, OK 74339-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Deed Document Number	20255922
Deed Book / Page	1248 / 765
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Dec 11, 2025
Property Address	208 N CHERRY ST, COMMERCE, OK 74339-1626
Document Number	001248/765
Book / Page	1248 / 765
Instrument Date	Dec 10, 2025
Instrument	I-2025-005922
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ASBTRACT & TTL C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 N CHERRY ST, COMMERCE, OK 74339-1626

Mortgage

Document Number	I2025005923
Date	Dec 11, 2025
Instrument	I-2025-005923

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$19,380 (+29.25%) Land $336 Building $19,044	$170,000 (+11.07%) Land $2,947 Building $167,053
2025	$1,358.00 (+0.89%) Homeowner's exemption	$14,994 (+3%) Land $336 Building $14,658	$153,052 (+12.05%) Land $2,947 Building $150,105
2024	$1,346.00 (+14.16%) Homeowner's exemption	$14,557 (+3%) Land $336 Building $14,221	$136,597 (-) Land $2,947 Building $133,650
2023	$1,179.00 (+1.55%) Homeowner's exemption	$14,133 (+3%) Land $336 Building $13,797	$136,597 (-) Land $2,947 Building $133,650
2022	$1,161.00 Homeowner's exemption	$13,721 Land $336 Building $13,385	$136,597 Land $2,947 Building $133,650

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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