301 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 301 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,550 sqft · built 1971
Lot Size	0.54 acres (23,642 sqft)
Owner	Individual Name on Record
Last Sale	$155,500 (Sep 2022)
Tax Bill	$717 (2025)
Deeds & Mortgages	Oct 2026 Transfer Dec 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20599`

Property Details

APN / Parcel Number

Primary APN	`20599`
Alternative APN	`5740-00-000-001-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area
1st Floor Area	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,642 sqft (0.54 acres)
Garage Type	Carport
Garage Area	560 sqft
Carport	Carport
Carport Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	162 sqft
Patio Area	528 sqft
Shed	1 Shed
Shed Area	400 sqft
Lean-To	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20599
Street Address	301 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 1, 2 & S2 LT 3 GORDON III 1032/755-756
Legal Range	22E
Legal Township	28N
Legal Section	1
Legal Subdivision	GORDON III
Legal Lot Number	1-3
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1013
Census Tract	574200

Owner

Source: Ottawa County records, as of October 16, 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	301 N MAIN ST, COMMERCE, OK 74339-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Dec 1, 2022	Deed of Trust, Mortgage · Commercial Mortgage METHOD BANK
Sep 28, 2022	Warranty Deed, Transfer · Conventional Mortgage OPEN MORTGAGE LLC
Sep 28, 2022	Quit Claim Deed, Transfer APEX TITLE NORTHEAST OK LLC
Sep 28, 2022	Quit Claim Deed, Transfer APEX TITLE NORTHEAST OK LLC
Sep 28, 2020	Warranty Deed, Transfer · Conventional Mortgage WELCH STATE BANK OF WELCH OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Sep 28, 2020 · Amount on Record
Deed Document Number	20225041
Deed Book / Page	1170 / 574
Last Transfer Date	Oct 7, 2026
Transfer Doc	0000005006
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 7, 2026
Property Address	301 N MAIN ST, COMMERCE, OK 74339-1313
Document Number	0000005006
Book / Page	1274 / 270
Instrument Date	Oct 7, 2026
Instrument	20265006
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 E 21ST ST, GALENA, KS 66739-4275

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	301 N MAIN ST, COMMERCE, OK 74339-1313
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 238, COMMERCE, OK 74339-0238

Mortgage

Document Number	0001174/67
Date	Dec 1, 2022
Book Page	1174/67
Instrument	I-2022-006124

Lender

Name	METHOD BANK
Type	Bank
Address	WYANDOTTE, OK 74370

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 17, 2037

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 28, 2022
Property Address	301 N MAIN ST, COMMERCE, OK 74339-1313
Document Number	001170/574
Book / Page	1170 / 574
Instrument Date	Sep 27, 2022
Instrument	I-2022-005041
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$233.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 N MAIN ST, COMMERCE, OK 74339-1313

Mortgage

Document Number	I2022005042
Date	Sep 28, 2022
Instrument	I-2022-005042

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 28, 2022
Property Address	301 N MAIN ST, COMMERCE, OK 74339-1313
Document Number	001170/588
Book / Page	1170 / 588
Instrument Date	Sep 27, 2022
Instrument	I-2022-005043
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 N MAIN ST, COMMERCE, OK 74339-1313

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 28, 2022
Property Address	301 N MAIN ST, COMMERCE, OK 74339-1313
Document Number	001170/572
Book / Page	1170 / 572
Instrument Date	Sep 27, 2022
Instrument	I-2022-005040
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 N MAIN ST, COMMERCE, OK 74339-1313

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 28, 2020
Property Address	301 N MAIN ST, COMMERCE, OK 74339-1313
Document Number	001118/715
Book / Page	1118 / 715
Instrument Date	Sep 24, 2020
Instrument	2020-004142
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$94.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 N MAIN ST, COMMERCE, OK 74339-1313

Mortgage

Document Number	2020004143
Date	Sep 28, 2020
Instrument	2020-004143

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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		$7,760 (+4.98%) Land $793 Building $6,967	$68,078 (-56.74%) Land $6,960 Building $61,118
2025	$717.00 (+0.84%)	$7,392 (+5%) Land $756 Building $6,636	$157,385 (+154.87%) Land $8,407 Building $148,978
2024	$711.00 (+12.5%)	$7,040 (-) Land $720 Building $6,320	$61,750 (-) Land $6,313 Building $55,437
2023	$632.00 (+14.7%)	$7,040 (-) Land $720 Building $6,320	$61,750 (-) Land $6,313 Building $55,437
2022	$551.00 Homeowner's exemption	$7,040 Land $720 Building $6,320	$61,750 Land $6,313 Building $55,437

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	5 (1985–2011)
Most Recent Claim	May 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 185 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: BOLT Fiber, T-Mobile.

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