217 S Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 217 S Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1948
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$15,000 (Jul 2025)
Tax Bill	$361 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20428`

Property Details

APN / Parcel Number

Primary APN	`20428`
Alternative APN	`5640-00-002-008-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1998
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	20428
Street Address	217 S WALNUT ST
City	COMMERCE
State	OK
Zip	74339-2642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 8, BLK 2 ELLIOTT
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	2
Legal Lot Number	8
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3079
Census Tract	574200

Owner

Source: Ottawa County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	217 S WALNUT ST, COMMERCE, OK 74339-2642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage FIRST NATIONAL BANK & TRUST CO
Jul 28, 2025	Warranty Deed, Transfer THE FIRST NATL BANK & TRUST CO OF M
Oct 8, 2024	Quit Claim Deed, Transfer Quitclaim
Sep 3, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Oct 8, 2024 · Amount on Record
Deed Document Number	20253401
Deed Book / Page	1238 / 198
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	217 S WALNUT ST, COMMERCE, OK 74339-2642
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001246/348
Date	Nov 4, 2025
Book Page	1246/348
Instrument	I-2025-005354

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank
Address	MIAMI, OK 74354

Agreement

Amount	Amount Recorded

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 28, 2025
Property Address	217 S WALNUT ST, COMMERCE, OK 74339-2642
Document Number	001238/198
Book / Page	1238 / 198
Instrument Date	Jul 24, 2025
Instrument	I-2025-003401
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$22.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 S WALNUT ST, COMMERCE, OK 74339-2642

Mortgage

Document Number	I2025003403
Date	Jul 28, 2025
Instrument	I-2025-003403

Lender

Name	THE FIRST NATL BANK & TRUST CO OF M
Type	Bank

Agreement

Amount	Amount Recorded

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 8, 2024
Property Address	217 S WALNUT ST, COMMERCE, OK 74339-2642
Document Number	001217/705
Book / Page	1217 / 705
Instrument Date	Oct 8, 2024
Instrument	I-2024-004513
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$3.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	801 L ST NW, MIAMI, OK 74354-4226

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 3, 2024
Property Address	217 S WALNUT ST, COMMERCE, OK 74339-2642
Document Number	0001215/82
Book / Page	1215 / 82
Instrument Date	Aug 30, 2024
Instrument	I-2024-003916
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Tax	$9.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 N MAPLE ST, COMMERCE, OK 74339-1628

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		$1,710 (-54.03%) Land $171 Building $1,539	$15,000 (-54.03%) Land $1,500 Building $13,500
2025	$361.00 (+0.84%)	$3,720 (+39.8%) Land $171 Building $3,549	$32,630 (-17.32%) Land $1,500 Building $31,130
2024	$358.00 (+57.02%)	$2,661 (+5.01%) Land $141 Building $2,520	$39,465 (-) Land $1,500 Building $37,965
2023	$228.00 (+3.64%)	$2,534 (+5.01%) Land $139 Building $2,395	$39,465 (-) Land $1,500 Building $37,965
2022	$220.00	$2,413 Land $137 Building $2,276	$39,465 Land $1,500 Building $37,965

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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