303 N River St, Commerce, OK 74339 Property Records

Ottawa County property record for 303 N River St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 868 sqft · built 1938
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Jul 2025)
Tax Bill	$487 (2025)
Deeds & Mortgages	May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19972`

Property Details

APN / Parcel Number

Primary APN	`19972`
Alternative APN	`5620-00-009-019-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	868 sqft Living Area
1st Floor Area	784 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19972
Street Address	303 N RIVER ST
City	COMMERCE
State	OK
Zip	74339-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 19, BLK 9 COMMERCE OP
Legal Range	23E
Legal Township	28N
Legal Section	6
Legal Subdivision	COMMERCE O.P.
Legal Block	9
Legal Lot Number	19
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3034
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	Individual Name on Record
Mailing Address	303 N RIVER ST, COMMERCE, OK 74339-1509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Prior Sale	Feb 23, 1998
Deed Document Number	20253397
Deed Book / Page	1238 / 168
Prior Transfer Date	Jul 25, 2025
Prior Transfer Doc	001238/171
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OTTAWA OK
Recording Date	May 11, 2021
Property Address	303 N RIVER ST, COMMERCE, OK 74339-1509
Document Number	1135/304
Book / Page	1135 / 304
Instrument Date	May 6, 2021
Instrument	2021-002376
Transaction Type	Transfer
Record Updated	May 28, 2021
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, OTTAWA CNTY ABSTRACT & TTL C

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 N RIVER ST, COMMERCE, OK 74339-1509

Mortgage

Document Number	2021002377
Date	May 11, 2021
Instrument	2021-002377

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 6, 2036

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		$8,893 (+77.26%) Land $162 Building $8,731	$78,000 (+77.24%) Land $1,419 Building $76,581
2025	$487.00 (+1.04%)	$5,017 (-10.9%) Land $162 Building $4,855	$44,008 (-10.9%) Land $1,419 Building $42,589
2024	$482.00 (-4.74%)	$5,631 (-) Land $162 Building $5,469	$49,389 (-) Land $1,419 Building $47,970
2023	$506.00 (-1.56%)	$5,631 (-) Land $162 Building $5,469	$49,389 (-) Land $1,419 Building $47,970
2022	$514.00	$5,631 Land $162 Building $5,469	$49,389 Land $1,419 Building $47,970

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	0.01% 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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