221 S Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 221 S Cedar St, Commerce, OK 74339 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,110 sqft · built 1943
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$6,000 (Jun 2022)
Tax Bill	$277 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`20421`

Property Details

APN / Parcel Number

Primary APN	`20421`
Alternative APN	`5640-00-001-010-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20421
Street Address	221 S CEDAR ST
City	COMMERCE
State	OK
Zip	74339-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 10 - 11, BLK 1 ELLIOTT
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	1
Legal Lot Number	10,11
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3101
Census Tract	574200

Owner

Source: Ottawa County records · APN 20421

Assessment roll updated January 29, 2026 · Last verified August 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 File
Mailing Address	105 6TH ST, COMMERCE, OK 74339-1309
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Feb 28, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Feb 28, 2022 · Amount on Record
Deed Document Number	20223261
Deed Book / Page	1164 / 99
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	221 S CEDAR ST, COMMERCE, OK 74339-2652
Transaction Type	Mortgage
Record Updated	Dec 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 S CEDAR ST, COMMERCE, OK 74339-2652

Mortgage

Document Number	001194/200
Date	Nov 13, 2023
Book Page	1194/200
Instrument	I-2023-005099

Lender

Name	ARVEST BANK
Type	Bank
Address	MIAMI, OK 74354

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 27, 2048

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Feb 28, 2022
Property Address	221 S CEDAR ST, COMMERCE, OK 74339-2652
Document Number	001155/542
Book / Page	1155 / 542
Instrument Date	Oct 25, 2021
Instrument	I-2022-001030
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount Recorded
Tax	$18.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N RIVER ST, COMMERCE, OK 74339-1509

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated January 29, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$277.00 (+0.73%)	$2,856 (-4.99%) Land $143 Building $2,713	$25,056 (-4.98%) Land $1,255 Building $23,801
2024	$275.00 (+1.85%)	$3,006 (-) Land $197 Building $2,809	$26,368 (-) Land $1,725 Building $24,643
2023	$270.00 (-1.46%)	$3,006 (-) Land $197 Building $2,809	$26,368 (-) Land $1,725 Building $24,643
2022	$274.00	$3,006 Land $197 Building $2,809	$26,368 Land $1,725 Building $24,643

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (40115C), updated September 13, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 388 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cable One	Cable	1,000 / 50
The Junction Internet	Fixed Wireless	100 / 20
Wisper ISP	Fixed Wireless	100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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