Ottawa County property record for 402 M St, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,608 sqft · built 1980 |
| Lot Size | 0.37 acres (16,031 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Aug 2022) |
| Tax Bill | $1,014 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20828 |
| Primary APN | 20828 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,608 sqft Living Area |
| 1st Floor Area | 1,648 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,031 sqft (0.37 acres) |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20828 |
|---|---|
| Street Address | 402 M ST |
| City | COMMERCE |
| State | OK |
| Zip | 74339-2938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W2 LT 3 DESC AS: W 123.508' LESS 30.877', BLK 12 WACHTER |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 6 |
| Legal Subdivision | WATCHER |
| Legal Block | 12 |
| Legal Lot Number | 3 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 574200 |
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 | 1114 C ST, COMMERCE, OK 74339-2912 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2022 · Amount on Record |
| Deed Sale | Aug 2, 2022 · Amount on Record |
| Prior Sale | Apr 12, 2013 · Amount on Record |
| Deed Document Number | 20224060 |
| Deed Book / Page | 1167 / 55 |
| Prior Transfer Date | Jun 24, 2010 |
| Prior Transfer Doc | 0000003173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OK |
| Property Address | 1114 C ST, COMMERCE, OK 74339-2912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001164/640 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 1164/640 |
| Instrument | I-2022-003445 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
Source: Ottawa County assessment roll, as of January 29, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Ottawa County |
| Municipality | Commerce City |
| Unified School District | Commerce Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,971 (+5.01%) Land $764 Building $10,207 | $96,234 (-2.03%) Land $6,700 Building $89,534 | |
| 2025 | $1,014.00 (+0.9%) | $10,448 (+4.99%) Land $764 Building $9,684 | $98,231 (+12.54%) Land $6,700 Building $91,531 |
| 2024 | $1,005.00 (+12.42%) | $9,951 (-) Land $764 Building $9,187 | $87,288 (-) Land $6,700 Building $80,588 |
| 2023 | $894.00 (-1.54%) | $9,951 (-) Land $764 Building $9,187 | $87,288 (-) Land $6,700 Building $80,588 |
| 2022 | $908.00 | $9,951 Land $764 Building $9,187 | $87,288 Land $6,700 Building $80,588 |
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.
Source: FEMA National Flood Hazard Layer, effective September 13, 2019 · 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 Claims | 5 (1993–2007) |
| Most Recent Claim | Jul 2007 · Severe Storms, Flooding, And Tornadoes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Oklahoma |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 133 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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