405 Midway Dr, Commerce, OK 74339 Property Records

Ottawa County property record for 405 Midway Dr, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,350 sqft · built 1975
Lot Size	0.235 acres (10,252 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Aug 2003)
Tax Bill	$913 (2025)
Deeds & Mortgages	Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20687`

Property Details

APN / Parcel Number

Primary APN	`20687`
Alternative APN	`5780-00-006-010-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2006
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,252 sqft (0.235 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20687
Street Address	405 MIDWAY DR
City	COMMERCE
State	OK
Zip	74339-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 & TRI TR IN LT 12, BLK 6 MIDWAY VILLAGE # 3 LIS PENDENDS 1161/581 1178/421 1210/307
Legal Subdivision	MIDWAY VILLAGE
Legal Tract	I
Legal Block	6
Legal Lot Number	10,12
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2056
Census Tract	574200

Owner

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	405 MIDWAY DR, COMMERCE, OK 74339-3108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2003 · Amount on Record
Deed Sale	Aug 5, 2003 · Amount on Record
Prior Sale	Jul 15, 1994
Deed Book / Page	737 / 823
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	405 MIDWAY DR, COMMERCE, OK 74339-3108
Transaction Type	Mortgage
Record Updated	Nov 3, 2023
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MIDWAY DR, COMMERCE, OK 74339-3108

Mortgage

Document Number	001192/505
Date	Oct 16, 2023
Book Page	1192/505
Instrument	I-2023-004595

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	211 Months
Due	May 1, 2041

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
2026		$9,965 (-4.28%) Land $775 Building $9,190	$87,421 (-4.27%) Land $6,800 Building $80,621
2025	$913.00 (+0.88%) Homeowner's exemption	$10,411 (-1.62%) Land $775 Building $9,636	$91,320 (-1.62%) Land $6,800 Building $84,520
2024	$905.00 (+6.6%) Homeowner's exemption	$10,582 (+1.21%) Land $775 Building $9,807	$92,826 (-) Land $6,800 Building $86,026
2023	$849.00 (+1.68%) Homeowner's exemption	$10,456 (+3%) Land $744 Building $9,712	$92,826 Land $6,800 Building $86,026
2022	$835.00 Homeowner's exemption	$10,151 Land $667 Building $9,484

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.

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 87% of Oklahoma
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 71 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
T-Mobile Fixed Wireless	100 / 20