407 S Walnut St, Commerce, OK 74339 Property Records

Ottawa County property record for 407 S Walnut St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1940
Lot Size	0.11 acres (4,800 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Apr 2026)
Tax Bill	$606 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2017 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`20466`

Property Details

APN / Parcel Number

Primary APN	`20466`
Alternative APN	`5640-00-006-004-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	20466
Street Address	407 S WALNUT ST
City	COMMERCE
State	OK
Zip	74339-2646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4, BLK 6 ELLIOTT 2 QC DEED 1049/271
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	ELLIOTT
Legal Block	6
Legal Lot Number	4
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2040
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	Company Name on Record
Mailing Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
May 8, 2017	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK OF WELCH OK
Nov 22, 2022	Deed of Trust, Mortgage · Closed-End Mortgage WELCH STATE BANK OF WELCH OK
Apr 20, 2026	Warranty Deed, Transfer CHOCTAW COUNTY ABSTRACT AND TITLE, OTTAWA COUNTY ABSTRACT & TITLE
May 8, 2017	Deed of Trust, Mortgage · Line of Credit WELCH STATE BANK OF WELCH OK
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim
Jun 12, 2008	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Jun 9, 2014
Deed Document Number	20261841
Deed Book / Page	1259 / 169
Prior Transfer Date	Jan 4, 2017
Prior Transfer Doc	001042/179
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Recording Date	Jul 2, 2026
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Document Number	0000003207
Book / Page	1265 / 726
Instrument Date	Jul 1, 2026
Instrument	20263207
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003207,
Date	Jul 2, 2026
Book Page	1265/726
Instrument	20263207

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.48%
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001049/030
Date	May 8, 2017
Book Page	1049/030
Instrument	2017-001853

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Transaction Type	Mortgage
Record Updated	May 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S WALNUT ST, COMMERCE, OK 74339-2646

Mortgage

Document Number	001173/454
Date	Nov 22, 2022
Book Page	1173/454
Instrument	I-2022-005996

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Apr 20, 2026
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Document Number	0000001841
Book / Page	1259 / 169
Instrument Date	Apr 17, 2026
Instrument	2026.1841
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	CHOCTAW COUNTY ABSTRACT AND TITLE, OTTAWA COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$7,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1049/030
Date	May 8, 2017
Book Page	1049/030
Instrument	2017-001853

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Jan 5, 2017
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Document Number	001042/179
Book / Page	1042 / 179
Instrument Date	Jan 4, 2017
Instrument	2017-000057
Transaction Type	Transfer
Record Updated	May 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 N CHERRY ST, COMMERCE, OK 74339-1625

June 2008: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	OTTAWA OK
Recording Date	Jun 12, 2008
Property Address	407 S WALNUT ST, COMMERCE, OK 74339-2646
Document Number	000867/556
Book / Page	0867 / 556
Instrument Date	Jun 9, 2008
Instrument	2008-003419
Transaction Type	Foreclosure
Record Updated	May 6, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Tax Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11500 S 590 RD, MIAMI, OK 74354-4560

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		$6,301 (+0.78%) Land $171 Building $6,130	$55,275 (+0.79%) Land $1,500 Building $53,775
2025	$606.00 (+0.83%)	$6,252 (-9.72%) Land $171 Building $6,081	$54,843 (-10.21%) Land $1,500 Building $53,343
2024	$601.00 (+1.52%)	$6,925 (+5%) Land $171 Building $6,754	$61,076 (-) Land $1,500 Building $59,576
2023	$592.00 (+3.32%)	$6,595 (+5%) Land $171 Building $6,424	$61,076 (-) Land $1,500 Building $59,576
2022	$573.00	$6,281 Land $171 Building $6,110	$61,076 Land $1,500 Building $59,576

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	Low lower than 80% of the US · lower than 94% of Oklahoma
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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 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 388 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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