302 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 302 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 966 sqft · built 1943
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$205 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20901`

Property Details

APN / Parcel Number

Primary APN	`20901`
Alternative APN	`5840-00-003-015-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	966 sqft Living Area
1st Floor Area	966 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	96 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20901
Street Address	302 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15, BLK 3 WARNER HEIGHTS
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	WARNER HEIGHTS
Legal Block	3
Legal Lot Number	15
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3031
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	2 Individual Names on Record
Mailing Address	302 N MAIN ST, COMMERCE, OK 74339-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Deed of Trust, Mortgage · Line of Credit ARVEST BANK
Sep 21, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 6, 2024
Transfer Doc	001211/650
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	302 N MAIN ST, COMMERCE, OK 74339-1314
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 N MAIN ST, COMMERCE, OK 74339-1314

Mortgage

Document Number	001250/498
Date	Jan 2, 2026
Book Page	1250/498
Instrument	I-2026-000024

Lender

Name	ARVEST BANK
Type	Bank
Address	MIAMI, OK 74354

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2051

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA OK
Recording Date	Sep 21, 2023
Property Address	302 N MAIN ST, COMMERCE, OK 74339-1314
Document Number	001191/532
Book / Page	1191 / 532
Instrument Date	Sep 21, 2023
Instrument	I-2023-004307
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	302 N MAIN ST, COMMERCE, OK 74339-1314

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		$2,222 (+5.06%) Land $171 Building $2,051	$19,486 (-38.33%) Land $1,500 Building $17,986
2025	$205.00 (+0.99%)	$2,115 (+4.96%) Land $171 Building $1,944	$31,597 (-0.52%) Land $1,500 Building $30,097
2024	$203.00 (+136.05%) Homeowner's exemption	$2,015 (+2.96%) Land $168 Building $1,847	$31,761 (-) Land $1,500 Building $30,261
2023	$86.00 (+4.88%) Homeowner's exemption	$1,957 (+3%) Land $168 Building $1,789	$31,761 (-) Land $1,500 Building $30,261
2022	$82.00 Homeowner's exemption	$1,900 Land $168 Building $1,732	$31,761 Land $1,500 Building $30,261

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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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