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401 S Elm St, Commerce, OK 74339 Property Records

Ottawa County property record for 401 S Elm St, Commerce, OK 74339

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,044 sqft · built 1953
Lot Size0.405 acres (17,640 sqft)
OwnerIndividual Name on File
Last Sale$165,000 (Jun 2024)
Tax Bill$1,825 (2025)
Deeds & MortgagesSep 2023 Transfer
Sep 2023 Sale
Flood ZoneZone X (minimal risk)
APN20735

Property Details

APN / Parcel Number

Primary APN20735
Alternative APN
  • 5800-00-004-001-0-000-00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,044 sqft Living Area
1st Floor Area1,044 sqft

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 2010
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area17,640 sqft (0.405 acres)
Lot Dimensions140 ft deep x 126 ft wide
Garage TypeDetached
Garage Area480 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area24 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number20735
Street Address401 S ELM ST
CityCOMMERCE
StateOK
Zip74339-2638
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLTS 1 - 2, BLK 4 WACHTER
Legal Range23E
Legal Township28N
Legal Section6
Legal SubdivisionWATCHER
Legal Block4
Legal Lot Number1,2
JurisdictionOTTAWA OK
Township / Civil DivisionMIAMI
Census Block Group2
Census Block2036
Census Tract574200

Owner

401 S Elm St is owned and occupied by an individual who bought it in June 2024.

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

Owner of RecordIndividual Name on File
Mailing Address401 S ELM ST, COMMERCE, OK 74339-2638
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 1, 2023Quit Claim Deed, Transfer
APEX TITLE NORTHEAST OK LLC
Sep 1, 2023Warranty Deed, Transfer
APEX TITLE NORTHEAST OK LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 10, 2024 · Amount on File
Deed SaleJun 10, 2024 · Amount on File
Prior SaleSep 1, 2023 · Amount on File
Deed Document Number20242575
Deed Book / Page1209 / 359
Prior Transfer DateJun 6, 2024
Prior Transfer Doc001209/372
Record UpdatedOct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOTTAWA OK
Recording DateSep 1, 2023
Property Address401 S ELM ST, COMMERCE, OK 74339-2638
Document Number001190/431
Book / Page1190 / 431
Instrument DateSep 1, 2023
InstrumentI-2023-003960
Transaction TypeTransfer
Record UpdatedSep 29, 2023
Title CompanyAPEX TITLE NORTHEAST OK LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA OK
Recording DateSep 1, 2023
Property Address401 S ELM ST, COMMERCE, OK 74339-2638
Document Number001190/429
Book / Page1190 / 429
Instrument DateSep 1, 2023
InstrumentI-2023-003959
Transaction TypeTransfer
Record UpdatedSep 29, 2023
Title CompanyAPEX TITLE NORTHEAST OK LLC

Transaction

AmountAmount on Record
Tax$105.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11700 S 540 RD, MIAMI, OK 74354-5207

Tax Assessment & Valuation

The 2025 property tax bill for 401 S Elm St was $1,825 with a homeowner's exemption, up 0.9% from the year before.

Source: Ottawa County assessment roll, as of January 29, 2026

Property Jurisdictions

TypeName
StateOklahoma
CountyOttawa County
MunicipalityCommerce City
Unified School DistrictCommerce Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$18,837 (+0.14%) Land $1,108 Building $17,729$165,239 (+0.14%) Land $9,722 Building $155,517
2025$1,825.00 (+0.88%)$18,810 (+135.71%) Land $1,108 Building $17,702$165,000 (+135.71%) Land $9,722 Building $155,278
2024$1,809.00 (+366.24%)$7,980 (+49.97%) Land $838 Building $7,142$70,000 (-4.62%) Land $7,350 Building $62,650
2023$388.00 (+2.11%) Homeowner's exemption$5,321 (+3%) Land $486 Building $4,835$73,392 (-) Land $7,705 Building $65,687
2022$380.00 Homeowner's exemption$5,166 Land $466 Building $4,700$73,392 Land $7,705 Building $65,687

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 401 S Elm St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims5 (1993–2007)
Most Recent ClaimJul 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event
  • Severe Storms And Flooding, Apr 1994 · 2 claims

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

Wildfire risk around 401 S Elm 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 RiskLow
lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within 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 SystemCOMMERCE
serves 2,645 people · EPA ID OK2005810
Water SourceGroundwater
Last State InspectionAug 2023
Lead1 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 QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
currently in violation since Oct 2024
Monitoring and Reporting37
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 133 locations within half a mile, as of December 31, 2025

ProviderMax 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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