305 S Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 305 S Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 925 sqft · built 1956
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$12,000 (Apr 2014)
Tax Bill	$490 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20454`

Property Details

APN / Parcel Number

Primary APN	`20454`
Alternative APN	`5640-00-004-003-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	925 sqft Living Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2010
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
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
Garage Area	256 sqft
Carport	Carport
Carport Area	256 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	6 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20454
Street Address	305 S CEDAR ST
City	COMMERCE
State	OK
Zip	74339-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 4 ELLIOTT 2 989/169
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	4
Legal Lot Number	3
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2033
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	Individual Name on Record
Mailing Address	PO BOX 492, WYANDOTTE, OK 74370-0492
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit METHOD BANK
Oct 15, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF WYANDOTTE
Jul 24, 2018	Correction Deed
Jul 20, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2014 · Amount on Record
Deed Sale	Apr 2, 2014 · Amount on Record
Deed Book / Page	988 / 773
Last Transfer Date	Jul 18, 2018
Transfer Doc	001074/282
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	305 S CEDAR ST, COMMERCE, OK 74339-2650
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001253/36
Date	Feb 5, 2026
Book Page	1253/36
Instrument	I-2026-000550

Lender

Name	METHOD BANK
Type	Bank
Address	WYANDOTTE, OK 74370

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Nov 8, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	305 S CEDAR ST, COMMERCE, OK 74339-2650
Transaction Type	Mortgage
Record Updated	Oct 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1098/638
Date	Oct 15, 2019
Book Page	1098/638
Instrument	2019-004145

Lender

Name	BANK OF WYANDOTTE
Type	Bank
Address	WYANDOTTE, OK 74370

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 3, 2029

July 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 24, 2018
Property Address	305 S CEDAR ST, COMMERCE, OK 74339-2650
Document Number	001074/508
Book / Page	1074 / 508
Instrument Date	Jul 18, 2018
Instrument	2018-003230
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S CEDAR ST, COMMERCE, OK 74339-2650

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 20, 2018
Property Address	305 S CEDAR ST, COMMERCE, OK 74339-2650
Document Number	001074/282
Book / Page	1074 / 282
Instrument Date	Jul 18, 2018
Instrument	2018-003172
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Tax	$4.25
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S CEDAR ST, COMMERCE, OK 74339-2650

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		$4,955 (-2%) Land $513 Building $4,442	$43,465 (-1.99%) Land $4,500 Building $38,965
2025	$490.00 (+0.82%)	$5,056 (-3.62%) Land $513 Building $4,543	$44,347 (-3.63%) Land $4,500 Building $39,847
2024	$486.00 (+3.18%)	$5,246 (-) Land $513 Building $4,733	$46,018 (-) Land $4,500 Building $41,518
2023	$471.00 (-1.67%)	$5,246 (-) Land $513 Building $4,733	$46,018 (-) Land $4,500 Building $41,518
2022	$479.00	$5,246 Land $513 Building $4,733	$46,018 Land $4,500 Building $41,518

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 · 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

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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