319 N Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 319 N Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,332 sqft · built 1952
Lot Size	0.27 acres (11,920 sqft)
Owner	Individual Name on Record
Last Sale	$34,000 (May 2017)
Tax Bill	$412 (2024)
Deeds & Mortgages	Aug 2017 Line of Credit Jun 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20567`

Property Details

APN / Parcel Number

Primary APN	`20567`
Alternative APN	`5680-00-014-011-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Stone
Foundation Type	Footing
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,920 sqft (0.27 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	240 sqft
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20567
Street Address	319 N CEDAR ST
City	COMMERCE
State	OK
Zip	74339-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 11 - 12 & N2 LT 13, BLK 14 FAIRVIEW-COMMERCE
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	FAIRVIEW-COMMERCE
Legal Block	14
Legal Lot Number	11-13
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3018
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	319 N CEDAR ST, COMMERCE, OK 74339-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2017	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK OF WELCH OK
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELCH STATE BANK OF WELCH OK
May 17, 2017	Special Warranty Deed, Transfer · Line of Credit WELCH STATE BANK OF WELCH OK
May 17, 2017	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
May 17, 2017	Special Warranty Deed, Transfer · Line of Credit WELCH STATE BANK OF WELCH OK
Mar 20, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2017 · Amount on Record
Deed Sale	May 17, 2017 · Amount on Record
Prior Sale	Mar 20, 2017 · Amount on Record
Deed Document Number	20172019
Deed Book / Page	1049 / 638
Prior Transfer Date	Mar 9, 2017
Prior Transfer Doc	001046/180
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	319 N CEDAR ST, COMMERCE, OK 74339-1707
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001054/586
Date	Aug 15, 2017
Book Page	1054/586
Instrument	2017-003225

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	177 Months
Due	May 9, 2032

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	319 N CEDAR ST, COMMERCE, OK 74339-1707
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001112/536
Date	Jun 23, 2020
Book Page	1112/536
Instrument	2020-002539

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	May 17, 2017
Property Address	319 N CEDAR ST, COMMERCE, OK 74339-1707
Document Number	1049/638
Book / Page	1049 / 638
Instrument Date	Apr 6, 2017
Instrument	2017-002019
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$51.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 W CEDAR ST, COMMERCE, OK 74339-1707

Mortgage

Document Number	, 2017-002020
Date	May 17, 2017
Instrument	2017-002020

Lender

Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2032

Mortgage

Document Number	1049/640
Date	May 17, 2017
Book Page	1049/640
Instrument	2017-002020

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2032

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	May 17, 2017
Property Address	319 N CEDAR ST, COMMERCE, OK 74339-1707
Document Number	001048/638
Book / Page	1048 / 638
Instrument Date	Apr 6, 2017
Instrument	2017-002019
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$51.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 W CEDAR ST, COMMERCE, OK 74339

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	May 17, 2017
Property Address	319 N CEDAR ST, COMMERCE, OK 74339-1707
Document Number	001049/638
Book / Page	1049 / 638
Instrument Date	Apr 6, 2017
Instrument	2017-002019
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 W CEDAR ST, COMMERCE, OK 74339

Mortgage

Document Number	2017002020
Date	May 17, 2017
Instrument	2017-002020

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2032

March 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OTTAWA OK
Recording Date	Mar 20, 2017
Property Address	319 N CEDAR ST, COMMERCE, OK 74339-1707
Document Number	001046/180
Book / Page	1046 / 180
Instrument Date	Mar 9, 2017
Instrument	2017-001100
Transaction Type	Foreclosure
Record Updated	Aug 26, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8742 LUCENT BLVD, HIGHLANDS RANCH, CO 80129-2302
Investor	Possibly a Property Investor

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		$4,423 (+3%) Land $516 Building $3,907	$38,795 (+3%) Land $4,523 Building $34,272
2025		$4,294 (-18.16%) Land $516 Building $3,778	$37,666 (-18.16%) Land $4,523 Building $33,143
2024	$412.00 (+8.14%)
2023	$381.00 (-1.8%) Homeowner's exemption	$5,247 (-) Land $516 Building $4,731	$46,024 (-) Land $4,523 Building $41,501
2022	$388.00 Homeowner's exemption	$5,247 Land $516 Building $4,731	$46,024 Land $4,523 Building $41,501

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

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 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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