Ottawa County property record for 408 N River St, Commerce, OK 74339
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 776 sqft · built 1933 |
| Lot Size | 0.11 acres (4,801 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $17,000 (Dec 1995) |
| Tax Bill | $239 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19982 |
| Primary APN | 19982 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 776 sqft Living Area |
| 1st Floor Area | 776 sqft |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,801 sqft (0.11 acres) |
| Garage Type | Carport |
| Garage Area | 140 sqft |
| Carport | Carport |
| Carport Area | 140 sqft |
| Porch | Slab |
| Porch Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 19982 |
|---|---|
| Street Address | 408 N RIVER ST |
| City | COMMERCE |
| State | OK |
| Zip | 74339-1512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 8, BLK 11 COMMERCE OP |
| Legal Range | 23E |
| Legal Township | 28N |
| Legal Section | 6 |
| Legal Subdivision | COMMERCE O.P. |
| Legal Block | 11 |
| Legal Lot Number | 8 |
| Jurisdiction | OTTAWA OK |
| Township / Civil Division | MIAMI |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 574200 |
408 N River St is owned and occupied by two individuals who bought it in December 1995.
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 File |
|---|---|
| Mailing Address | 408 N RIVER ST, COMMERCE, OK 74339-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 1995 · Amount on File |
| Deed Sale | Dec 27, 1995 · Amount on File |
| Deed Book / Page | 588 / 26 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 408 N River St was $239, up 0.8% from the year before.
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 | $2,591 (+4.98%) Land $162 Building $2,429 | $22,730 (-15.18%) Land $1,419 Building $21,311 | |
| 2025 | $239.00 (+0.84%) | $2,468 (+4.98%) Land $162 Building $2,306 | $26,797 (-14.38%) Land $1,419 Building $25,378 |
| 2024 | $237.00 (+17.91%) | $2,351 (+5%) Land $155 Building $2,196 | $31,296 (-) Land $1,419 Building $29,877 |
| 2023 | $201.00 (+3.08%) | $2,239 (+5.02%) Land $154 Building $2,085 | $31,296 (-) Land $1,419 Building $29,877 |
| 2022 | $195.00 | $2,132 Land $153 Building $1,979 | $31,296 Land $1,419 Building $29,877 |
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.
FEMA maps place 408 N River St in Zone X, an area of minimal flood risk.
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 risk around 408 N River St is low, with a 0.01% annual chance of 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.
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 272 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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