409 S Maple St, Commerce, OK 74339 Property Records

Ottawa County property record for 409 S Maple St, Commerce, OK 74339 · Last verified February 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Architecture Style	Traditional
Year Built	Built 1990
Square Footage	1,815 sqft Living Area
Lot Size	11,040 sqft (0.253 acres)
Garage	Attached, 440 sqft
Occupancy	Owner Occupied

Property Details

APN / Parcel Number

Primary APN	`20873`
Alternative APN	`5820-00-004-006-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,815 sqft Living Area
1st Floor	1,815 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1990
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Material	Composition Shingle Roof
Lot Area	11,040 sqft (0.253 acres)
Depth X Width	138 ft x 80 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	440 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	288 sqft Shed
Porch	Covered Porch
Porch Area	88 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	20873
Street Address	409 S MAPLE ST
City	COMMERCE
State	OK
Zip	74339-2445
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LTS 6 & 7, BLK 4 WAKEMAN AFF OF SURVING JOINT TENANT 117/785
Legal Range	23E
Legal Township	28N
Legal Section	06
Legal Subdivision	WAKEMAN
Legal Block	4
Legal Lot Number	6,7
Jurisdiction	OTTAWA OK
Minor Civil Division	MIAMI
Census Blockgroup	2
Census Block	2042
Census Tract	574200

Owner

Source: Ottawa County records · APN 20873

Assessment roll updated October 1, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	409 S MAPLE ST, COMMERCE, OK 74339-2445
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 01, 2023
Transfer Doc	001177/163
Record Refreshed	Jun 08, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA OK
Recording Date	Feb 01, 2023
Property Address	409 S MAPLE ST, COMMERCE, OK 74339-2445
Document Number	001177/163
Book / Page	1177 / 163
Instrument Date	Jan 25, 2023
Instrument	I-2023-000446
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	409 S MAPLE ST, COMMERCE, OK 74339-2445

Mortgage

Document Number	I2023000447
Date	Feb 01, 2023
Instrument	I-2023-000447

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Feb 01, 2028
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	52-Week T-Bill (1-Year)
Margin	3
Max Rate	11.1%

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated October 1, 2025 · Last verified February 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$10,256 (+6.09%) Land $197 Building $10,059	$91,843 (+1.09%) Land $1,725 Building $90,118
2023	Homeowner's exemption	$9,667 Land $342 Building $9,325	$90,850 Land $3,000 Building $87,850

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (40115C), updated September 13, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 6% of Oklahoma
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.