403 N Main St, Commerce, OK 74339 Property Records

Ottawa County property record for 403 N Main St, Commerce, OK 74339

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,262 sqft · built 1968
Lot Size	0.696 acres (30,358 sqft)
Owner	Individual Name on File
Tax Bill	$844 (2025)
Deeds & Mortgages	Jun 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20603`

Property Details

APN / Parcel Number

Primary APN	`20603`
Alternative APN	`5740-00-000-010-0-000-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,262 sqft Living Area
1st Floor Area	2,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,358 sqft (0.696 acres)
Garage Type	Attached
Garage Area	1,088 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	96 sqft
Deck Area	36 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20603
Street Address	403 N MAIN ST
City	COMMERCE
State	OK
Zip	74339-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 10 - 12 GORDON III
Legal Subdivision	GORDON III
Legal Lot Number	10-12
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1014
Census Tract	574200

Owner

403 N Main St is owned and occupied by an individual who acquired it in June 2026.

Source: Ottawa County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	815 S CRAWFORD ST, FORT SCOTT, KS 66701-2525
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 15, 2026
Transfer Doc	0000002993
Record Updated	Oct 29, 2026

June 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OTTAWA OK
Recording Date	Jun 22, 2026
Property Address	403 N MAIN ST, COMMERCE, OK 74339-1315
Document Number	0000002993
Book / Page	1264 / 530
Instrument Date	Jun 15, 2026
Instrument	20262993
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 S CRAWFORD ST, FORT SCOTT, KS 66701-2525

Tax Assessment & Valuation

The 2025 property tax bill for 403 N Main St was $844 with a homeowner's exemption, 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		$9,138 (+5%) Land $741 Building $8,397	$80,160 (-3.74%) Land $6,500 Building $73,660
2025	$844.00 (+0.84%)	$8,703 (+4.99%) Land $741 Building $7,962	$83,274 (+0.25%) Land $6,500 Building $76,774
2024	$837.00 (+18.05%)	$8,289 (+5%) Land $730 Building $7,559	$83,065 (-) Land $6,500 Building $76,565
2023	$709.00 (+3.35%)	$7,894 (+5%) Land $726 Building $7,168	$83,065 (-) Land $6,500 Building $76,565
2022	$686.00	$7,518 Land $723 Building $6,795	$83,065 Land $6,500 Building $76,565

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 403 N Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1985.

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

Wildfire risk around 403 N Main St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 90% of Oklahoma
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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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