703 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 703 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,854 sqft · built 1986
Lot Size	4.07 acres (177,289 sqft)
Owner	Individual Name on Record
Last Sale	$1,333,333 (Sep 2021)
Tax Bill	$1,442 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31848`

Property Details

APN / Parcel Number

Primary APN	`31848`
Alternative APN	`0000-01-028-022-0-022-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,854 sqft Living Area
1st Floor Area	1,854 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	177,289 sqft (4.07 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	544 sqft
Porch	Slab
Porch Area	178 sqft
Shed	1 Shed
Shed Area	2,400 sqft
Lean-To	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31848
Street Address	703 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR IN NE, COM NE COR NE, S89D57'22" W 434.05', S89D57'22" W 220.76', S0D3'28" E 361.5' TO POB, S0D3'28" E 298.5', N89D57'22"
Legal Range	22E
Legal Township	28N
Legal Section	01
Legal Subdivision	T028-R022
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1000
Census Tract	574200

Owner

Source: Ottawa County records, as of January 29, 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	703 N MAIN ST, COMMERCE, OK 74339-1124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELCH STATE BANK OF WELCH OK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on Record
Deed Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	20214446
Deed Book / Page	1143 / 1
Last Transfer Date	Dec 13, 2021
Transfer Doc	001150/366
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA OK
Recording Date	Dec 14, 2021
Property Address	703 N MAIN ST, COMMERCE, OK 74339-1124
Document Number	001150/366
Book / Page	1150 / 366
Instrument Date	Dec 13, 2021
Instrument	2021-006364
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 N MAIN ST, COMMERCE, OK 74339-1124

Mortgage

Document Number	2021006365
Date	Dec 14, 2021
Instrument	2021-006365

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	703 N MAIN ST, COMMERCE, OK 74339-1124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1044/747
Date	Feb 28, 2017
Book Page	1044/747
Instrument	2017-000782

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank
Address	MIAMI, OK 74355

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jan 1, 2027

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
2025	$1,442.00 (+0.91%) Homeowner's exemption	$15,864 (+3%) Land $966 Building $14,898	$219,256 (-0.92%) Land $12,123 Building $207,133
2024	$1,429.00 (+14.05%) Homeowner's exemption	$15,402 (+3%) Land $937 Building $14,465	$221,282 (-) Land $12,123 Building $209,159
2023	$1,253.00 (+1.62%) Homeowner's exemption	$14,953 (+3%) Land $917 Building $14,036	$221,282 (-) Land $12,123 Building $209,159
2022	$1,233.00 Homeowner's exemption	$14,517 Land $897 Building $13,620	$221,282 Land $12,123 Building $209,159

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Oklahoma
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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