500 N Cedar St, Commerce, OK 74339 Property Records

Ottawa County property record for 500 N Cedar St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1953
Lot Size	0.11 acres (4,758 sqft)
Owner	Individual Name on Record
Last Sale	$30,500 (Aug 2025)
Tax Bill	$279 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20503`

Property Details

APN / Parcel Number

Primary APN	`20503`
Alternative APN	`5680-00-005-009-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,758 sqft (0.11 acres)
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20503
Street Address	500 N CEDAR ST
City	COMMERCE
State	OK
Zip	74339-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 9, BLK 5 FAIRVIEW-COMMERCE
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	FAIRVIEW-COMMERCE
Legal Block	5
Legal Lot Number	9
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3012
Census Tract	574200

Owner

Source: Ottawa County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	500 N CEDAR ST, COMMERCE, OK 74339-1712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ARVEST BANK
May 16, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2025 · Amount on Record
Deed Sale	Aug 13, 2025 · Amount on Record
Prior Sale	Jun 6, 2024 · Amount on Record
Deed Document Number	20253652
Deed Book / Page	1239 / 322
Last Transfer Date	Sep 25, 2026
Transfer Doc	0000004852
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Sep 28, 2026
Property Address	500 N CEDAR ST, COMMERCE, OK 74339-1712
Document Number	0000004852
Book / Page	1273 / 451
Instrument Date	Sep 25, 2026
Instrument	20264852
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 N CEDAR ST, COMMERCE, OK 74339-1712

Mortgage

Document Number	0000004853,
Date	Sep 28, 2026
Book Page	1273/453
Instrument	20264853

Lender

Name	ARVEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	May 16, 2025
Property Address	500 N CEDAR ST, COMMERCE, OK 74339-1712
Document Number	001232/740
Book / Page	1232 / 740
Instrument Date	May 6, 2025
Instrument	I-2025-002169
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$3,477 (+20.77%) Land $464 Building $3,013	$30,500 (+20.77%) Land $4,070 Building $26,430
2025	$279.00 (+0.72%)	$2,879 (-22.19%) Land $464 Building $2,415	$25,254 (-22.2%) Land $4,070 Building $21,184
2024	$277.00 (+40.61%)	$3,700 (+68.49%) Land $464 Building $3,236	$32,460 (-) Land $4,070 Building $28,390
2023	$197.00 (+3.14%)	$2,196 (+4.97%) Land $464 Building $1,732	$32,460 (-) Land $4,070 Building $28,390
2022	$191.00	$2,092 Land $464 Building $1,628	$32,460 Land $4,070 Building $28,390

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	0.02% 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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