Ottawa County property record for 406 S River St, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,300 sqft · built 2000 |
| Lot Size | 0.16 acres (6,959 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $652 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20197 |
| Primary APN | 20197 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,959 sqft (0.16 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Porch | Slab |
| Porch Area | 60 sqft |
| Utility Building | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 20197 |
|---|---|
| Street Address | 406 S RIVER ST |
| City | COMMERCE |
| State | OK |
| Zip | 74339-2416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 11 & N 18' LT 12, BLK 51 NORTH MIAMI NOW COMMERCE |
| Legal Subdivision | NORTH MIAMI NOW COMMERCE |
| Legal Block | 51 |
| Legal Lot Number | 11,12 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 574200 |
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 | 406 S RIVER ST, COMMERCE, OK 74339-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OK |
| Property Address | 406 S RIVER ST, COMMERCE, OK 74339-2416 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001109/25 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 1109/25 |
| Instrument | 2020-001620 |
| Name | ARVEST BANK |
|---|---|
| Type | Bank |
| Address | LOWELL, AR 72745 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
Source: Ottawa County assessment roll, as of January 29, 2026
| Type | Name |
|---|---|
| State | Oklahoma |
| County | Ottawa County |
| Municipality | Commerce City |
| Unified School District | Commerce Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,950 (+3.01%) Land $162 Building $7,788 | $69,733 (-34.23%) Land $1,419 Building $68,314 | |
| 2025 | $652.00 (+0.93%) Homeowner's exemption | $7,718 (+2.99%) Land $162 Building $7,556 | $106,021 (+12.57%) Land $1,419 Building $104,602 |
| 2024 | $646.00 (+14.54%) Homeowner's exemption | $7,494 (+3.01%) Land $162 Building $7,332 | $94,182 (-) Land $1,419 Building $92,763 |
| 2023 | $564.00 (+1.99%) Homeowner's exemption | $7,275 (+2.99%) Land $162 Building $7,113 | $94,182 (-) Land $1,419 Building $92,763 |
| 2022 | $553.00 Homeowner's exemption | $7,064 Land $162 Building $6,902 | $94,182 Land $1,419 Building $92,763 |
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.
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 |
|
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.
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.
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 |
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.
Source: FCC Broadband Data Collection, based on 388 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: T-Mobile.
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