409 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 409 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,446 sqft · built 1972
Lot Size	0.26 acres (11,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Oct 2025)
Tax Bill	$996 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jan 2025 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20605`

Property Details

APN / Parcel Number

Primary APN	`20605`
Alternative APN	`5740-00-000-014-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
1st Floor Area	1,382 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2011
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,403 sqft (0.26 acres)
Garage Type	Carport
Garage Area	121 sqft
Carport	Carport
Carport Area	121 sqft
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20605
Street Address	409 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 25' LT 14 & ALL LT 15 GORDON III (LIS PENDENS 1198/713)
Legal Range	22E
Legal Township	28N
Legal Section	1
Legal Subdivision	GORDON III
Legal Lot Number	14,15
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1014
Census Tract	574200

Owner

Source: Ottawa County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 N MAIN ST, COMMERCE, OK 74339-1315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Special Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jan 16, 2025	Sheriff's Deed, Foreclosure
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Sep 4, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	May 23, 2022 · Amount on Record
Deed Document Number	20254984
Deed Book / Page	1244 / 762
Prior Transfer Date	Dec 23, 2024
Prior Transfer Doc	001224/412
Record Updated	Oct 29, 2026

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 20, 2025
Property Address	409 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	001244/762
Book / Page	1244 / 762
Instrument Date	Oct 16, 2025
Instrument	I-2025-004984
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	409 N MAIN ST, COMMERCE, OK 74339-1315

Mortgage

Document Number	I2025004985
Date	Oct 20, 2025
Instrument	I-2025-004985

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

January 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OTTAWA OK
Recording Date	Jan 16, 2025
Property Address	409 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	001224/412
Book / Page	1224 / 412
Instrument Date	Dec 23, 2024
Instrument	I-2025-000224
Transaction Type	Foreclosure
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 JOHN BARROW RD STE 1, 1, LITTLE ROCK, AR 72205-6599

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	May 23, 2022
Property Address	409 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	0001162/80
Book / Page	1162 / 80
Instrument Date	May 20, 2022
Instrument	I-2022-002689
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	PROVO ABSTRACT COMPANY, PHOTO ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N MAIN ST, COMMERCE, OK 74339-1315

Mortgage

Document Number	I2022002690
Date	May 23, 2022
Instrument	I-2022-002690

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.37%
Index	1-Year CMT
Margin	3
Max Rate	9.37%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 4, 2018
Property Address	409 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	001077/105
Book / Page	1077 / 105
Instrument Date	Aug 31, 2018
Instrument	2018-003840
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$101.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N MAIN ST, COMMERCE, OK 74339-1315

Mortgage

Document Number	2018003841
Date	Sep 4, 2018
Instrument	2018-003841

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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		$9,898 (-3.58%) Land $891 Building $9,007	$86,828 (-3.58%) Land $7,819 Building $79,009
2025	$996.00 (+0.91%)	$10,266 (-0.06%) Land $891 Building $9,375	$90,052 (-0.05%) Land $7,819 Building $82,233
2024	$987.00 (+6.93%)	$10,272 (-) Land $613 Building $9,659	$90,100 (-) Land $5,375 Building $84,725
2023	$923.00 (+53.32%)	$10,272 (+35.3%) Land $613 Building $9,659	$90,100 (+35.3%) Land $5,375 Building $84,725
2022	$602.00 Homeowner's exemption	$7,592 Land $613 Building $6,979	$66,595 Land $5,375 Building $61,220

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 (1985–2011)
Most Recent Claim	May 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 63% of the US · lower than 90% of Oklahoma
Wildfire Likelihood	0.05% 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 185 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: BOLT Fiber, T-Mobile.

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