309 N Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 309 N Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 562 sqft · built 1938
Lot Size	0.16 acres (7,152 sqft)
Owner	Individual Name on File
Last Sale	$9,000 (Nov 2004)
Tax Bill	$252 (2025)
Deeds & Mortgages	Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20558`

Property Details

APN / Parcel Number

Primary APN	`20558`
Alternative APN	`5680-00-013-016-0-000-00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	562 sqft Living Area
1st Floor Area	562 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,152 sqft (0.16 acres)

Exterior Amenities

Porch	Slab
Porch Area	15 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	20558
Street Address	309 N WALNUT ST
City	COMMERCE
State	OK
Zip	74339-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 16 & N2 LT 17, BLK 13 FAIRVIEW-COMMERCE
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	FAIRVIEW-COMMERCE
Legal Block	13
Legal Lot Number	16,17
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3040
Census Tract	574200

Owner

309 N Walnut St is owned and occupied by an individual who bought it in November 2004.

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

Owner of Record	Individual Name on File
Mailing Address	309 N WALNUT ST, COMMERCE, OK 74339-1713
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2004 · Amount on File
Deed Sale	Nov 4, 2004 · Amount on File
Prior Sale	Feb 4, 2000 · Amount on File
Deed Book / Page	770 / 816
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	309 N WALNUT ST, COMMERCE, OK 74339-1713
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N WALNUT ST, COMMERCE, OK 74339-1713

Mortgage

Document Number	001246/713
Date	Nov 10, 2025
Book Page	1246/713
Instrument	I-2025-005476

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 309 N Walnut St was $252, up 0.8% 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		$2,616 (+0.62%) Land $453 Building $2,163	$22,945 (+0.58%) Land $3,975 Building $18,970
2025	$252.00 (+0.8%)	$2,600 (-11.83%) Land $453 Building $2,147	$22,813 (-11.82%) Land $3,975 Building $18,838
2024	$250.00 (-5.66%)	$2,949 (-) Land $453 Building $2,496	$25,872 (-) Land $3,975 Building $21,897
2023	$265.00 (-1.49%)	$2,949 (-) Land $453 Building $2,496	$25,872 (-) Land $3,975 Building $21,897
2022	$269.00	$2,949 Land $453 Building $2,496	$25,872 Land $3,975 Building $21,897

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 309 N Walnut St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 309 N 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 272 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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