402 N Cherry St, Commerce, OK 74339 Property Records

Ottawa County property record for 402 N Cherry St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,796 sqft · built 1928
Lot Size	0.33 acres (14,305 sqft)
Owner	Individual Name on Record
Tax Bill	$575 (2025)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20514`

Property Details

APN / Parcel Number

Primary APN	`20514`
Alternative APN	`5680-00-007-008-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,796 sqft Living Area
1st Floor Area	1,796 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	14,305 sqft (0.33 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	191 sqft
Deck Area	259 sqft
Patio Area	518 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20514
Street Address	402 N CHERRY ST
City	COMMERCE
State	OK
Zip	74339-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 8 - 10, BLK 7 FAIRVIEW-COMMERCE
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	FAIRVIEW-COMMERCE
Legal Block	7
Legal Lot Number	8-10
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3023
Census Tract	574200

Owner

Source: Ottawa County records, as of January 29, 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	402 N CHERRY ST, COMMERCE, OK 74339-1529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2012
Deed Sale	Apr 11, 2012
Prior Sale	Feb 8, 2007 · Amount on Record
Deed Document Number	20121653
Deed Book / Page	946 / 782
Prior Transfer Date	Apr 5, 2012
Prior Transfer Doc	000946/782
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	402 N CHERRY ST, COMMERCE, OK 74339-1529
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001182/792
Date	May 1, 2023
Book Page	1182/792
Instrument	I-2023-002012

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year T-Bill
Margin	3
Max Rate	11.2%

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
2025	$575.00 (+0.7%) Homeowner's exemption	$6,933 (+3%) Land $548 Building $6,385	$65,158 (-9.96%) Land $4,810 Building $60,348
2024	$571.00 (+14.89%) Homeowner's exemption	$6,731 (+3%) Land $548 Building $6,183	$72,369 (-) Land $4,810 Building $67,559
2023	$497.00 (+1.84%) Homeowner's exemption	$6,535 (+2.99%) Land $548 Building $5,987	$72,369 (-) Land $4,810 Building $67,559
2022	$488.00 Homeowner's exemption	$6,345 Land $548 Building $5,797	$72,369 Land $4,810 Building $67,559

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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