301 N River St, Commerce, OK 74339 Property Records

Ottawa County property record for 301 N River St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,293 sqft · built 1958
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,500 (May 2020)
Tax Bill	$458 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19973`

Property Details

APN / Parcel Number

Primary APN	`19973`
Alternative APN	`5620-00-009-020-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,293 sqft Living Area
1st Floor Area	1,293 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2006
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)
Garage Type	Detached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	19973
Street Address	301 N RIVER ST
City	COMMERCE
State	OK
Zip	74339-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 20, BLK 9 COMMERCE OP
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	COMMERCE O.P.
Legal Block	9
Legal Lot Number	20
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	2
Census Block	2025
Census Tract	574200

Owner

Source: Ottawa County records, as of September 23, 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	2 Individual Names on Record
Mailing Address	301 N RIVER ST, COMMERCE, OK 74339-1509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH HOME LOANS INC
May 18, 2020	Warranty Deed, Transfer LIN DON PROPERTIES LLC
Nov 7, 2019	Warranty Deed, Transfer APEX TITLE NORTHEAST OK LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Prior Sale	Nov 7, 2019 · Amount on Record
Deed Document Number	20202027
Deed Book / Page	1110 / 329
Prior Transfer Date	Nov 20, 2009
Prior Transfer Doc	0000001627
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	301 N RIVER ST, COMMERCE, OK 74339-1509
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001248/382
Date	Dec 4, 2025
Book Page	1248/382
Instrument	I-2025-005811

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	May 18, 2020
Property Address	301 N RIVER ST, COMMERCE, OK 74339-1509
Document Number	001110/329
Book / Page	1110 / 329
Instrument Date	Jan 10, 2020
Instrument	2020-002027
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 E ST NW, MIAMI, OK 74354-4415

Mortgage

Document Number	001110/326
Date	May 18, 2020
Book Page	1110/326
Instrument	2020-002026

Lender

Name	LIN DON PROPERTIES LLC
Type	Non-Lending Institution
Address	JOPLIN, MO 64804

Agreement

Amount	Amount Recorded
Term	2 Months
Due	Jul 15, 2020

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Nov 7, 2019
Property Address	301 N RIVER ST, COMMERCE, OK 74339-1509
Document Number	001100/332
Book / Page	1100 / 332
Instrument Date	Nov 6, 2019
Instrument	2019-004698
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	APEX TITLE NORTHEAST OK LLC

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3151 ANTELOPE RD, JOPLIN, MO 64804-8771

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		$4,770 (+0.93%) Land $162 Building $4,608	$41,839 (+0.93%) Land $1,419 Building $40,420
2025	$458.00 (+0.88%)	$4,726 (-10.59%) Land $162 Building $4,564	$41,453 (-10.6%) Land $1,419 Building $40,034
2024	$454.00 (-4.42%)	$5,286 (-) Land $162 Building $5,124	$46,367 (-) Land $1,419 Building $44,948
2023	$475.00 (-1.45%)	$5,286 (-) Land $162 Building $5,124	$46,367 (-) Land $1,419 Building $44,948
2022	$482.00	$5,286 Land $162 Building $5,124	$46,367 Land $1,419 Building $44,948

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 · 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 (1993–2007)
Most Recent Claim	Jul 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms And Flooding, Apr 1994 · 2 claims

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 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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