220 S Elm St, Commerce, OK 74339 Property Records

Ottawa County property record for 220 S Elm St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,362 sqft · built 1958
Lot Size	0.237 acres (10,360 sqft)
Owner	Individual Name on File
Tax Bill	$1,543 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20743`

Property Details

APN / Parcel Number

Primary APN	`20743`
Alternative APN	`5800-00-005-000-0-004-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,360 sqft (0.237 acres)
Lot Dimensions	140 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	308 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20743
Street Address	220 S ELM ST
City	COMMERCE
State	OK
Zip	74339-2635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM NW COR LT 1, BLK 5, TH S 380' TO POB; TH S 74.3'; TH E 140'; TH N 74.3'; TH W 140' TO POB WACHTER'S ADDITION
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	WATCHER
Legal Block	5
Legal Lot Number	1
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3097
Census Tract	574200

Owner

220 S Elm St is owned and occupied by an individual who acquired it in April 2014.

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

Owner of Record	Individual Name on File
Mailing Address	220 S ELM ST, COMMERCE, OK 74339-2635
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Closed-End Mortgage WELCH STATE BANK OF WELCH OK
Apr 26, 2024	Warranty Deed, Transfer · USDA Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2014
Deed Sale	Apr 7, 2014
Prior Sale	Jul 31, 2012 · Amount on File
Deed Book / Page	989 / 162
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	220 S ELM ST, COMMERCE, OK 74339-2635
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 S ELM ST, COMMERCE, OK 74339-2635

Mortgage

Document Number	001183/360
Date	May 12, 2023
Book Page	1183/360
Instrument	I-2023-002156

Lender

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

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 8, 2024

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Apr 26, 2024
Property Address	220 S ELM ST, COMMERCE, OK 74339-2635
Document Number	001205/702
Book / Page	1205 / 702
Instrument Date	Apr 25, 2024
Instrument	I-2024-001807
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2024001808
Date	Apr 26, 2024
Instrument	I-2024-001808

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 220 S Elm St was $1,543, up 0.9% from the year before.

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		$15,907 (+0.03%) Land $764 Building $15,143	$139,536 (+0.03%) Land $6,700 Building $132,836
2025	$1,543.00 (+0.92%)	$15,903 (+215.41%) Land $764 Building $15,139	$139,500 (+64.84%) Land $6,700 Building $132,800
2024	$1,529.00 (+254.76%)	$5,042 (+5%) Land $324 Building $4,718	$84,628 (-) Land $6,700 Building $77,928
2023	$431.00 (+3.36%)	$4,802 (+4.98%) Land $302 Building $4,500	$84,628 (-) Land $6,700 Building $77,928
2022	$417.00	$4,574 Land $280 Building $4,294	$84,628 Land $6,700 Building $77,928

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

FEMA maps place 220 S Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 220 S Elm St is low, with a 0.01% annual chance of 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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