415 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 415 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 999 sqft · built 1963
Lot Size	0.5 acres (21,658 sqft)
Owner	2 Individual Names on File
Last Sale	$27,500 (May 2019)
Tax Bill	$741 (2025)
Deeds & Mortgages	Jun 2019 Mortgage May 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20607`

Property Details

APN / Parcel Number

Primary APN	`20607`
Alternative APN	`5740-00-000-017-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	999 sqft Living Area
1st Floor Area	999 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2012
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,658 sqft (0.5 acres)
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	9 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20607
Street Address	415 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N2 LT 17 & LTS 18 - 22 GORDON III
Legal Range	22E
Legal Township	28N
Legal Section	1
Legal Subdivision	GORDON III
Legal Lot Number	17-22
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1014
Census Tract	574200

Owner

415 N Main St is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	415 N MAIN ST, COMMERCE, OK 74339-1315
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage OKLAHOMAS CU
May 20, 2019	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 20, 2019	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	May 20, 2019 · Amount on File
Deed Document Number	20192019
Deed Book / Page	1090 / 479
Prior Transfer Date	May 19, 2019
Prior Transfer Doc	001090/479
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	415 N MAIN ST, COMMERCE, OK 74339-1315
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1092/308
Date	Jun 17, 2019
Book Page	1092/308
Instrument	2019-002496

Lender

Name	OKLAHOMAS CU
Type	Credit Union
Address	OKLAHOMA CITY, OK 73124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2034

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	May 20, 2019
Property Address	415 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	001090/479
Book / Page	1090 / 479
Instrument Date	May 19, 2019
Instrument	2019-002019
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$41.25
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 N MAIN ST, COMMERCE, OK 74339-1315

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	May 20, 2019
Property Address	415 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	001090/478
Book / Page	1090 / 478
Instrument Date	May 1, 2019
Instrument	2019-002018
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$42.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 N MAIN ST, COMMERCE, OK 74339-1315

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Aug 27, 2018
Property Address	415 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	001076/607
Book / Page	1076 / 607
Instrument Date	Aug 27, 2018
Instrument	2018-003756
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount on Record
Tax	$90.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Tax Assessment & Valuation

The 2025 property tax bill for 415 N Main St was $741, up 1% from the year before.

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		$7,422 (-2.78%) Land $656 Building $6,766	$65,100 (-2.78%) Land $5,750 Building $59,350
2025	$741.00 (+0.95%)	$7,634 (-5.58%) Land $656 Building $6,978	$66,962 (-5.58%) Land $5,750 Building $61,212
2024	$734.00 (+1.1%)	$8,085 (-) Land $656 Building $7,429	$70,918 (-) Land $5,750 Building $65,168
2023	$726.00 (-1.63%)	$8,085 (-) Land $656 Building $7,429	$70,918 (-) Land $5,750 Building $65,168
2022	$738.00	$8,085 Land $656 Building $7,429	$70,918 Land $5,750 Building $65,168

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 415 N Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

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

Wildfire risk around 415 N Main St is low, with a 0.05% annual chance of 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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