400 N Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 400 N Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1955
Lot Size	0.33 acres (14,303 sqft)
Owner	Company Name on File
Last Sale	$130,000 (Feb 2026)
Tax Bill	$542 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20525`

Property Details

APN / Parcel Number

Primary APN	`20525`
Alternative APN	`5680-00-009-008-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	14,303 sqft (0.33 acres)
Garage Type	Detached
Garage Area	1,040 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20525
Street Address	400 N WALNUT ST
City	COMMERCE
State	OK
Zip	74339-1716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 8 - 10, BLK 9 FAIRVIEW-COMMERCE
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	FAIRVIEW-COMMERCE
Legal Block	9
Legal Lot Number	8-10
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3020
Census Tract	574200

Owner

400 N Walnut St is owned by a company that bought it in February 2026 and is owner-occupied.

Source: Ottawa 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	Company Name on File
Mailing Address	400 N WALNUT ST, COMMERCE, OK 74339-1716
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage GNBANK NA
Feb 24, 2026	Warranty Deed, Transfer APEX TITLE NORTHEAST OK LLC
Nov 7, 2022	Deed of Trust, Mortgage · Closed-End Mortgage SECURITY BANK & TRUST
Mar 27, 2018	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2026 · Amount on File
Deed Sale	Feb 24, 2026 · Amount on File
Prior Sale	Apr 11, 2016 · Amount on File
Deed Document Number	2026873
Deed Book / Page	1254 / 638
Prior Transfer Date	Jun 19, 2024
Prior Transfer Doc	001210/273
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Recording Date	Jul 8, 2026
Property Address	400 N WALNUT ST, COMMERCE, OK 74339-1716
Document Number	0000003301
Book / Page	1266 / 262
Instrument Date	Jun 22, 2026
Instrument	20263301
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	303 S MICKEY MANTLE BLVD, COMMERCE, OK 74339-2903

Mortgage

Document Number	0000003301,
Date	Jul 8, 2026
Book Page	1266/262
Instrument	20263301

Lender

Name	GNBANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.51%
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Feb 24, 2026
Property Address	400 N WALNUT ST, COMMERCE, OK 74339-1716
Document Number	001254/638
Book / Page	1254 / 638
Instrument Date	Feb 23, 2026
Instrument	I-2026-000873
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Amount	Amount on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 S MAIN ST, MIAMI, OK 74354-7025

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	400 N WALNUT ST, COMMERCE, OK 74339-1716
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 N WALNUT ST, COMMERCE, OK 74339-1716

Mortgage

Document Number	001172/702
Date	Nov 7, 2022
Book Page	1172/702
Instrument	I-2022-005806

Lender

Name	SECURITY BANK & TRUST
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record

March 2018: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OTTAWA OK
Recording Date	Mar 27, 2018
Property Address	400 N WALNUT ST, COMMERCE, OK 74339-1716
Document Number	001067/135
Book / Page	1067 / 135
Instrument Date	Mar 27, 2018
Instrument	2018-001174
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 N WALNUT ST, COMMERCE, OK 74339-1716

Tax Assessment & Valuation

The 2025 property tax bill for 400 N Walnut St was $542 with a homeowner's exemption, up 0.9% 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		$6,648 (+0.94%) Land $548 Building $6,100	$58,317 (+0.94%) Land $4,810 Building $53,507
2025	$542.00 (+0.93%) Homeowner's exemption	$6,586 (+0.38%) Land $548 Building $6,038	$57,775 (+0.38%) Land $4,810 Building $52,965
2024	$537.00 (+8.05%) Homeowner's exemption	$6,561 (+0.44%) Land $548 Building $6,013	$57,555 (-) Land $4,810 Building $52,745
2023	$497.00 (+2.05%) Homeowner's exemption	$6,532 (+3%) Land $548 Building $5,984	$57,555 (-) Land $4,810 Building $52,745
2022	$487.00 Homeowner's exemption	$6,342 Land $548 Building $5,794	$57,555 Land $4,810 Building $52,745

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 400 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 400 N Walnut St is low, with a 0.02% 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	0.02% 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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