411 N Cherry St, Commerce, OK 74339 Property Records

Ottawa County property record for 411 N Cherry St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,184 sqft · built 1944
Owner	Individual Name on Record
Last Sale	$50,000 (Jul 2022)
Tax Bill	$362 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20506`

Property Details

APN / Parcel Number

Primary APN	`20506`
Alternative APN	`5680-00-006-004-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,112 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1993
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Material	Metal
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	78 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20506
Street Address	411 N CHERRY ST
City	COMMERCE
State	OK
Zip	74339-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 4 - 5, BLK 6 FAIRVIEW-COMMERCE
Legal Range	23E
Legal Township	28N
Legal Section	06
Legal Subdivision	FAIRVIEW-COMMERCE
Legal Block	6
Legal Lot Number	4,5
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3024
Census Tract	574200

Owner

Source: Ottawa County records, as of January 28, 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	411 N CHERRY ST, COMMERCE, OK 74339-1528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2019	Deed of Trust, Mortgage · ARM ARVEST BANK
Jul 25, 2022	Warranty Deed, Transfer · Conventional Mortgage WELCH STATE BANK OF WELCH OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2022 · Amount on Record
Deed Sale	Jul 25, 2022 · Amount on Record
Prior Sale	Mar 24, 2006 · Amount on Record
Deed Document Number	I-2022-003892
Deed Book / Page	1166 / 305
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	411 N CHERRY ST, COMMERCE, OK 74339-1528
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001097/282
Date	Sep 18, 2019
Book Page	1097/282
Instrument	2019-003798

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	ARM
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 25, 2022
Property Address	411 N CHERRY ST, COMMERCE, OK 74339-1528
Document Number	001166/305
Book / Page	1166 / 305
Instrument Date	Jul 22, 2022
Instrument	I-2022-003892
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2022003893
Date	Jul 25, 2022
Instrument	I-2022-003893

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of October 1, 2025

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
2025	$362.00 (+0.84%) Homeowner's exemption	$5,732 (+0.56%) Land $473 Building $5,259	$50,279 (+0.56%) Land $4,150 Building $46,129
2024	$359.00 (-14.93%) Homeowner's exemption	$5,700 (-) Land $383 Building $5,317	$50,000 (-) Land $3,360 Building $46,640
2023	$422.00 (-18.85%) Homeowner's exemption	$5,700 (+0.07%) Land $383 Building $5,317	$50,000 (-21.31%) Land $3,360 Building $46,640
2022	$520.00	$5,696 Land $464 Building $5,232	$63,537 Land $4,275 Building $59,262

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond 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 272 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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