303 S Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 303 S Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1953
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Tax Bill	$210 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20437`

Property Details

APN / Parcel Number

Primary APN	`20437`
Alternative APN	`5640-00-003-001-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20437
Street Address	303 S WALNUT ST
City	COMMERCE
State	OK
Zip	74339-2644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 1 - 2, BLK 3 ELLIOTT 2
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	3
Legal Lot Number	1,2
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2031
Census Tract	574200

Owner

303 S Walnut St is owned and occupied by an individual who acquired it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 86, COMMERCE, OK 74339-0086
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
Dec 19, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage THE FIRST NATL BANK & TRUST CO OF M
Dec 19, 2018	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2013
Deed Sale	Nov 13, 2013
Deed Book / Page	982 / 75
Last Transfer Date	Jan 20, 2026
Transfer Doc	0000000289
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Dec 19, 2023
Property Address	303 S WALNUT ST, COMMERCE, OK 74339-2644
Document Number	001196/586
Book / Page	1196 / 586
Instrument Date	Dec 19, 2023
Instrument	I-2023-005629
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 86, COMMERCE, OK 74339-0086

Mortgage

Document Number	I2023005630
Date	Dec 19, 2023
Instrument	I-2023-005630

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OTTAWA OK
Recording Date	Dec 19, 2018
Property Address	303 S WALNUT ST, COMMERCE, OK 74339-2644
Document Number	001082/739
Book / Page	1082 / 739
Instrument Date	Dec 19, 2018
Instrument	2018-005470
Transaction Type	Transfer
Record Updated	Mar 18, 2022

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

Tax Assessment & Valuation

The 2025 property tax bill for 303 S Walnut St was $210 with a homeowner's exemption, up 1% 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		$2,257 (+4.25%) Land $166 Building $2,091	$19,799 (+4.22%) Land $1,459 Building $18,340
2025	$210.00 (+0.96%)	$2,165 (-5.04%) Land $166 Building $1,999	$18,997 (-5.02%) Land $1,459 Building $17,538
2024	$208.00 (-8.37%)	$2,280 (-9.92%) Land $58 Building $2,222	$20,000 (-70.37%) Land $510 Building $19,490
2023	$227.00 (+3.18%)	$2,531 (+4.98%) Land $107 Building $2,424	$67,509 (-) Land $1,725 Building $65,784
2022	$220.00	$2,411 Land $105 Building $2,306	$67,509 Land $1,725 Building $65,784

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 303 S Walnut St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

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 (1993–2007)
Most Recent Claim	Jul 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms And Flooding, Apr 1994 · 2 claims

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

Wildfire risk around 303 S Walnut 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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