418 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 418 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,118 sqft · built 1948
Lot Size	0.14 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Sep 2020)
Tax Bill	$639 (2025)
Deeds & Mortgages	Aug 2026 Sale Sep 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19882`

Property Details

APN / Parcel Number

Primary APN	`19882`
Alternative APN	`5620-00-002-001-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,118 sqft Living Area
1st Floor Area	1,118 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.14 acres)
Garage Type	Mixed
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19882
Street Address	418 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 1 - 3, BLK 2 COMMERCE OP
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	COMMERCE O.P.
Legal Block	2
Legal Lot Number	1-3
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3030
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	2 Individual Names on Record
Mailing Address	418 N MAIN ST, COMMERCE, OK 74339-1316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 17, 2020	Warranty Deed, Transfer · Line of Credit SECURITY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Sep 15, 2008 · Amount on Record
Deed Document Number	20204002
Deed Book / Page	1118 / 364
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Aug 7, 2026
Property Address	418 N MAIN ST, COMMERCE, OK 74339-1316
Document Number	0000003898
Book / Page	1268 / 675
Instrument Date	Aug 3, 2026
Instrument	20263898
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	418 N MAIN ST, COMMERCE, OK 74339-1316

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 17, 2020
Property Address	418 N MAIN ST, COMMERCE, OK 74339-1316
Document Number	001118/364
Book / Page	1118 / 364
Instrument Date	Sep 15, 2020
Instrument	2020-004002
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
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 with Right of Survivorship
Address	418 N MAIN ST, COMMERCE, OK 74339-1316

Mortgage

Document Number	2020004003
Date	Sep 17, 2020
Instrument	2020-004003

Lender

Name	SECURITY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$6,541 (-0.74%) Land $253 Building $6,288	$57,372 (-0.76%) Land $2,219 Building $55,153
2025	$639.00 (+0.79%)	$6,590 (-22.92%) Land $253 Building $6,337	$57,809 (-22.92%) Land $2,219 Building $55,590
2024	$634.00 (-17.45%)	$8,550 (-) Land $253 Building $8,297	$75,000 (-) Land $2,219 Building $72,781
2023	$768.00 (-1.54%)	$8,550 (-) Land $253 Building $8,297	$75,000 (-) Land $2,219 Building $72,781
2022	$780.00	$8,550 Land $253 Building $8,297	$75,000 Land $2,219 Building $72,781

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 94% of the US · lower than 95% of Oklahoma
Wildfire Likelihood	Under 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 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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