218 N Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 218 N Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,575 sqft · built 1948
Lot Size	0.22 acres (9,599 sqft)
Owner	Company Name on Record
Last Sale	$28,000 (Jan 2026)
Tax Bill	$682 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20323`

Property Details

APN / Parcel Number

Primary APN	`20323`
Alternative APN	`5630-00-071-001-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,575 sqft Living Area
1st Floor Area	1,575 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,599 sqft (0.22 acres)
Garage Type	Attached
Garage Area	864 sqft

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20323
Street Address	218 N WALNUT ST
City	COMMERCE
State	OK
Zip	74339-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 1 - 2, BLK 71 FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Subdivision	FIRST ADDN TO NORTH MIAMI NOW COMMERCE
Legal Block	71
Legal Lot Number	1,2
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3062
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	Company Name on Record
Mailing Address	3 N MAIN ST, MIAMI, OK 74354-6322
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Warranty Deed, Transfer THE FIRST NATL BANK & TRUST CO OF M
Aug 24, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 20, 2021	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK OF WELCH OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Deed Document Number	202679
Deed Book / Page	1250 / 753
Prior Transfer Date	Jan 2, 2026
Prior Transfer Doc	0000000078
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jan 7, 2026
Property Address	218 N WALNUT ST, COMMERCE, OK 74339-1820
Document Number	001250/753
Book / Page	1250 / 753
Instrument Date	Jan 6, 2026
Instrument	I-2026-000079
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ASBTRACT & TTL C

Transaction

Amount	Amount Recorded
Tax	$42.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 N MAIN ST, MIAMI, OK 74354-6322
Investor	Possibly a Property Investor

Mortgage

Document Number	I2026000080
Date	Jan 7, 2026
Instrument	I-2026-000080

Lender

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

Agreement

Amount	Amount Recorded

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Aug 24, 2023
Property Address	218 N WALNUT ST, COMMERCE, OK 74339-1820
Document Number	001189/806
Book / Page	1189 / 806
Instrument Date	Aug 23, 2023
Instrument	I-2023-003829
Transaction Type	Transfer
Record Updated	Jan 8, 2024

Transaction

Amount	Amount Recorded
Tax	$21.75
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62095 E 100 RD, MIAMI, OK 74354-4136

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	218 N WALNUT ST, COMMERCE, OK 74339-1820
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58901 E 101 RD, MIAMI, OK 74354-4587

Mortgage

Document Number	001126/522
Date	Jan 20, 2021
Book Page	1126/522
Instrument	2021-000315

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$3,192 (-54.58%) Land $336 Building $2,856	$28,000 (-54.58%) Land $2,947 Building $25,053
2025	$682.00 (+0.89%)	$7,028 (-5.72%) Land $336 Building $6,692	$61,651 (-5.71%) Land $2,947 Building $58,704
2024	$676.00 (+1.05%)	$7,454 (-) Land $336 Building $7,118	$65,385 (-) Land $2,947 Building $62,438
2023	$669.00 (-1.62%)	$7,454 (-) Land $336 Building $7,118	$65,385 (-) Land $2,947 Building $62,438
2022	$680.00	$7,454 Land $336 Building $7,118	$65,385 Land $2,947 Building $62,438

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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