315 E Commerce St, Oak City, NC 27857 Property Records

Martin County property record for 315 E Commerce St, Oak City, NC 27857

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 1957
Lot Size	0.454 acres (19,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Feb 2006)
Tax Bill	$1,640 (2025)
Deeds & Mortgages	Feb 2006 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5801-20-4450`

Property Details

APN / Parcel Number

Primary APN	`5801-20-4450`
Alternative APN	`1000313`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
1st Floor Area	1,944 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	19,782 sqft (0.454 acres)
Garage Area	720 sqft
Shed	1 Shed
Shed Area	2,880 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	1000313
Street Address	315 E COMMERCE ST
City	OAK CITY
State	NC
Zip	27857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	RES 315 E COMMERCE S
Legal Subdivision	J T DANIEL LOT DIVISION
Jurisdiction	MARTIN NC
Township / Civil Division	GOOSE NEST
Census Block Group	2
Census Block	2048
Census Tract	970400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 83, OAK CITY, NC 27857-0083
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2006 · Amount on Record
Deed Sale	Feb 1, 2006 · Amount on Record
Deed Document Number	200621-407-201
Deed Book / Page	F-21 / 407
Record Updated	Oct 29, 2026

February 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	MARTIN NC
Recording Date	Feb 1, 2006
Property Address	315 E COMMERCE ST, OAK CITY, NC 27857
Document Number	000F21/407
Book / Page	F-21 / 407
Map Reference	MB 3 PG 45
Instrument Date	Feb 1, 2006
Instrument	21-407-201
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 83, OAK CITY, NC 27857-0083
Investor	Possibly a Property Investor

Mortgage

Document Number	0021410202
Date	Feb 1, 2006
Instrument	21-410-202

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	397 Months
Due	Mar 15, 2039

Tax Assessment & Valuation

Source: Martin County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Martin County
Municipality	Oak City Town
Unified School District	Martin County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,680 (-)	$137,680 (-)
2025	$1,640.00 (+28.53%)	$137,680 (+60.41%) Land $9,830 Building $127,850	$137,680 (+60.41%) Land $9,830 Building $127,850
2023	$1,276.00	$85,830 Land $8,890 Building $76,940	$85,830 Land $8,890 Building $76,940

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 June 25, 2025 · 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 Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2010 · Severe Storms, Flooding, And Straight-line Winds

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 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MARTIN CO WATER & SEWER DIST I serves 2,245 people · EPA ID NC6059003
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000