206 N River St, Commerce, OK 74339 Property Records

Ottawa County property record for 206 N River St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1948
Lot Size	0.11 acres (4,801 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Oct 2026)
Tax Bill	$242 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20204`

Property Details

APN / Parcel Number

Primary APN	`20204`
Alternative APN	`5625-00-052-007-0-000-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1998
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,801 sqft (0.11 acres)
Garage Type	Detached
Garage Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	20204
Street Address	206 N RIVER ST
City	COMMERCE
State	OK
Zip	74339-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7, BLK 52 NORTH MIAMI NOW COMMERCE JE 1062/417
Legal Subdivision	NORTH MIAMI NOW COMMERCE
Legal Block	52
Legal Lot Number	7
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3046
Census Tract	574200

Owner

206 N River St is owned and occupied by two individuals who bought it in October 2026.

Source: Ottawa County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	206 N RIVER ST, COMMERCE, OK 74339-1610
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
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Jul 23, 2026	Correction Deed NONE LISTED ON DOCUMENT
Jul 23, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Jul 3, 2025 · Amount on File
Deed Document Number	20264931
Deed Book / Page	1273 / 743
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Oct 1, 2026
Property Address	206 N RIVER ST, COMMERCE, OK 74339-1610
Document Number	0000004931
Book / Page	1273 / 743
Instrument Date	Sep 30, 2026
Instrument	20264931
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 N RIVER ST, COMMERCE, OK 74339-1610

Mortgage

Document Number	0000004932,
Date	Oct 1, 2026
Instrument	20264932

Lender

Name	ARVEST BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 23, 2026
Property Address	206 N RIVER ST, COMMERCE, OK 74339-1610
Document Number	0000003581
Book / Page	1267 / 493
Instrument Date	Jul 21, 2026
Instrument	20263581
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 N RIVER ST, COMMERCE, OK 74339-1610

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OTTAWA OK
Recording Date	Jul 23, 2026
Property Address	206 N RIVER ST, COMMERCE, OK 74339-1610
Document Number	0000003580
Book / Page	1267 / 491
Instrument Date	Jul 17, 2026
Instrument	20263580
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 N RIVER ST, COMMERCE, OK 74339-1610

Tax Assessment & Valuation

The 2025 property tax bill for 206 N River St was $242, up 0.8% 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		$2,493 (-0.08%) Land $162 Building $2,331	$21,865 (-0.09%) Land $1,419 Building $20,446
2025	$242.00 (+0.83%)	$2,495 (+25%) Land $162 Building $2,333	$21,885 (+25.01%) Land $1,419 Building $20,466
2024	$240.00 (+34.08%)	$1,996 (-) Land $162 Building $1,834	$17,507 (-) Land $1,419 Building $16,088
2023	$179.00 (-1.65%)	$1,996 (-) Land $162 Building $1,834	$17,507 (-) Land $1,419 Building $16,088
2022	$182.00	$1,996 Land $162 Building $1,834	$17,507 Land $1,419 Building $16,088

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

Flood

FEMA maps place 206 N River St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 206 N River St is low, with a 0.01% annual chance of 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 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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