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406 S Elm St, Commerce, OK 74339 Property Records

Ottawa County property record for 406 S Elm St, Commerce, OK 74339

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,344 sqft · built 1943
Lot Size0.321 acres (14,000 sqft)
Owner2 Individual Names on File
Last Sale$60,000 (Mar 2023)
Tax Bill$585 (2025)
Deeds & MortgagesMar 2023 Sale
Flood ZoneZone X (minimal risk)
APN20733

Property Details

APN / Parcel Number

Primary APN20733
Alternative APN
  • 5800-00-003-003-0-000-00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,344 sqft Living Area
1st Floor Area1,344 sqft

Exterior

Year BuiltBuilt 1943
Effective Year BuiltEffective 2005
Architectural StyleTraditional
Exterior MaterialWood Siding
Construction TypeFrame
Foundation TypeBlock
Roof TypeGable
Roof MaterialMetal
Lot Area14,000 sqft (0.321 acres)
Lot Dimensions140 ft deep x 100 ft wide
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area30 sqft
Shed1 Shed
Shed Area96 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemForced Air with A/C

Location & Zoning

Account Number20733
Street Address406 S ELM ST
CityCOMMERCE
StateOK
Zip74339-2639
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLTS 2 - 4, BLK 3 WACHTER
Legal Range23E
Legal Township28N
Legal Section6
Legal SubdivisionWATCHER
Legal Block3
Legal Lot Number2-4
JurisdictionOTTAWA OK
Township / Civil DivisionMIAMI
Census Block Group2
Census Block2037
Census Tract574200

Owner

406 S Elm St is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record2 Individual Names on File
Mailing Address406 S ELM ST, COMMERCE, OK 74339-2639
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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 10, 2023 · Amount on File
Deed SaleMar 10, 2023 · Amount on File
Prior SaleMay 27, 2010
Deed Document Number20231034
Deed Book / Page1179 / 463
Prior Transfer DateMay 5, 2021
Prior Transfer Doc0000002251
Record UpdatedOct 29, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA OK
Recording DateMar 10, 2023
Property Address406 S ELM ST, COMMERCE, OK 74339-2639
Document Number001179/463
Book / Page1179 / 463
Instrument DateMar 10, 2023
InstrumentI-2023-001034
Transaction TypeTransfer
Record UpdatedJul 4, 2023

Transaction

AmountAmount on Record
Tax$90.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address406 S ELM ST, COMMERCE, OK 74339-2639

Tax Assessment & Valuation

The 2025 property tax bill for 406 S Elm St was $585 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$6,113 (+1.28%) Land $793 Building $5,320$53,623 (+1.28%) Land $6,953 Building $46,670
2025$585.00 (+0.86%)$6,036 (-11.75%) Land $793 Building $5,243$52,943 (-11.76%) Land $6,953 Building $45,990
2024$580.00 (+33.33%)$6,840 (+41.18%) Land $562 Building $6,278$60,000 (+41.18%) Land $4,930 Building $55,070
2023$435.00 (+117.5%)$4,845 (+51.79%) Land $640 Building $4,205$42,500 (-35.57%) Land $5,610 Building $36,890
2022$200.00 Homeowner's exemption$3,192 Land $422 Building $2,770$65,958 Land $8,710 Building $57,248

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

FEMA maps place 406 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 406 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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