403 S Commerce, Allen, OK 74825 Property Records

Pontotoc County property record for 403 S Commerce, Allen, OK 74825

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1975
Lot Size	0.2 acres (8,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Jun 2022)
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Jun 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`19448`

Property Details

APN / Parcel Number

Primary APN	`19448`
Alternative APN	`1000-00-028-004-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,750 sqft (0.2 acres)
Lot Dimensions	140 ft deep x 62.5 ft wide
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	75 sqft
Patio Area	75 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19448
Street Address	ALLEN CITY
City	ALLEN
State	OK
Zip	74825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 & S1/2 LOT 5 BLOCK 28 ORIGINAL - ALLEN
Legal Subdivision	ALLEN-ORIGINAL -ALLEN SD-SE & SW 25-5-8
Legal Block	28
Legal Lot Number	4,5
Jurisdiction	PONTOTOC OK
Township / Civil Division	NORTHEAST PONTOTOC
Census Block Group	4
Census Block	4069
Census Tract	88600

Owner

Source: Pontotoc 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	2 Individual Names on Record
Mailing Address	403 S COMMERCE, ALLEN, OK 74825-6605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	Nov 7, 2013 · Amount on Record
Deed Document Number	20223518
Deed Book / Page	3621 / 228
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PONTOTOC OK
Recording Date	Jun 17, 2022
Property Address	403 S COMMERCE, ALLEN, OK 74825-6605
Document Number	003621/228
Book / Page	3621 / 228
Instrument Date	Jun 16, 2022
Instrument	I-2022-003518
Transaction Type	Construction Loan
Record Updated	Feb 28, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 S COMMERCE, ALLEN, OK 74825-6605

Mortgage

Document Number	I2022003519
Date	Jun 17, 2022
Instrument	I-2022-003519

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Aug 17, 2027

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
Municipality	Allen Town
County	Pontotoc County
Unified School District	Allen Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$12,484 (+0.92%) Land $900 Building $11,584	$104,034 (+0.92%) Land $7,500 Building $96,534
2025	$1,055.00 (-0.66%) Homeowner's exemption	$12,370 (+0.08%) Land $900 Building $11,470	$103,082 (-5.23%) Land $7,500 Building $95,582
2024	$1,062.00 (-5.18%) Homeowner's exemption	$12,360 (+3%) Land $900 Building $11,460	$108,771 (+8.77%) Land $7,500 Building $101,271
2023	$1,120.00	$12,000 Land $900 Building $11,100	$100,000 Land $7,500 Building $92,500

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 July 17, 2012 · 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	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2010 · river or lake 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	High above 77% of the US · above 49% of Oklahoma
Wildfire Likelihood	0.6% 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	ALLEN PWA serves 937 people · EPA ID OK2006202
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
BLS Broadband Fixed Wireless	100 / 25
Atlink Services Fixed Wireless	50 / 10

May also be available: AT&T.

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