407 N River St, Commerce, OK 74339 Property Records

Ottawa County property record for 407 N River St, Commerce, OK 74339 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,175 sqft · built 1981
Owner	Individual Name on File
Tax Bill	$885 (2025)
Deeds & Mortgages	Jan 2022 Sale & Line of Credit Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19960`

Property Details

APN / Parcel Number

Primary APN	`19960`
Alternative APN	`5620-00-008-016-0-000-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Metal
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19960
Street Address	407 N RIVER ST
City	COMMERCE
State	OK
Zip	74339-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S20' LT 16 & ALL OF LTS 17- 18, BLK 8 COMMERCE OP
Legal Range	23E
Legal Township	28N
Legal Section	06
Legal Subdivision	COMMERCE O.P.
Legal Block	8
Legal Lot Number	16-18
Jurisdiction	OTTAWA OK
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3026
Census Tract	574200

Owner

Source: Ottawa County records · APN 19960

Assessment roll updated October 1, 2025 · Last verified February 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 File
Mailing Address	407 N RIVER ST, COMMERCE, OK 74339-1511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Warranty Deed, Transfer · Line of Credit WELCH STATE BANK OF WELCH OK
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit SECURITY BANK & TRUST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2024
Deed Sale	Nov 01, 2024
Prior Sale	Mar 05, 2012 · Amount on Record
Deed Document Number	0001219596
Deed Book / Page	1152 / 269
Prior Transfer Date	Jan 12, 2022
Prior Transfer Doc	I-2022-000182
Record Updated	Jun 08, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OK
Recording Date	Jan 12, 2022
Property Address	407 N RIVER ST, COMMERCE, OK 74339-1511
Document Number	001152/269
Book / Page	1152 / 269
Instrument Date	Dec 23, 2021
Instrument	I-2022-000182
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	PROVO ABSTRACT COMPANY, PHOTO ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I2022000183
Date	Jan 12, 2022
Instrument	I-2022-000183

Lender

Name	WELCH STATE BANK OF WELCH OK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 07, 2037

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OK
Property Address	407 N RIVER ST, COMMERCE, OK 74339-1511
Transaction Type	Mortgage
Record Updated	May 06, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1107/347
Date	Mar 16, 2020
Book Page	1107/347
Instrument	2020-001226

Lender

Name	SECURITY BANK & TRUST
Type	Bank
Address	MIAMI, OK 74354

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 10, 2040

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated October 1, 2025 · Last verified February 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$885.00 (+0.91%)	$9,120 (-) Land $207 Building $8,913	$80,000 (-) Land $1,819 Building $78,181
2024	$877.00 (+7.08%)	$9,120 (-) Land $217 Building $8,903	$80,000 (-) Land $1,900 Building $78,100
2023	$819.00 (-5.97%)	$9,120 (-4.4%) Land $217 Building $8,903	$80,000 (-5.93%) Land $1,900 Building $78,100
2022	$871.00	$9,540 Land $230 Building $9,310	$85,040 Land $2,019 Building $83,021

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ottawa County (40115C), updated September 13, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 185 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cable One	Cable	1,000 / 50
The Junction Internet	Fixed Wireless	100 / 20
Wisper ISP	Fixed Wireless	100 / 20

May also be available at this address: Northeast Rural Services, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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