321 S Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 321 S Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,452 sqft · built 1958
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$25,000 (Oct 2018)
Tax Bill	$320 (2025)
Deeds & Mortgages	Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`20460`

Property Details

APN / Parcel Number

Primary APN	`20460`
Alternative APN	`5640-00-004-010-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,452 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Material	Metal
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Porch	Porch
Porch Area	176 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	20460
Street Address	321 S CEDAR ST
City	COMMERCE
State	OK
Zip	74339-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10, BLK 4 ELLIOTT 2
Legal Range	23E
Legal Township	28N
Legal Section	06
Legal Subdivision	ELLIOTT
Legal Block	4
Legal Lot Number	10
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2033
Census Tract	574200

Owner

Source: Ottawa County records · APN 20460

Assessment roll updated October 1, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	321 S CEDAR ST, COMMERCE, OK 74339-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 19, 2018 · Amount on Record
Deed Sale	Oct 19, 2018 · Amount on Record
Deed Document Number	0001079686
Deed Book / Page	1079 / 686
Record Updated	Jun 08, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 19, 2018
Property Address	321 S CEDAR ST, COMMERCE, OK 74339-2650
Document Number	001079/686
Book / Page	1079 / 686
Instrument Date	Oct 19, 2018
Instrument	2018-004680
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 CEDAR COMMERCE, OKLAHAMA, XX

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated October 1, 2025 · Last verified February 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$320.00 (+0.63%)	$3,303 (-4.65%) Land $171 Building $3,132	$28,975 (-16.36%) Land $1,500 Building $27,475
2024	$318.00 (+7.43%)	$3,464 (+5%) Land $154 Building $3,310	$34,643 (-) Land $1,500 Building $33,143
2023	$296.00 (+3.14%)	$3,299 (+5%) Land $149 Building $3,150	$34,643 (-) Land $1,500 Building $33,143
2022	$287.00	$3,142 Land $143 Building $2,999	$34,643 Land $1,500 Building $33,143

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (40115C), as of September 13, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 401155742002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cable One Cable	1,000 / 50
The Junction Internet Fixed Wireless	100 / 20
Wisper ISP Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 388 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OK2005810, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	COMMERCE serves 2,645 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.