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Single Family ResidenceResidential
$86,113$144 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $75,000 on Jan 23, 2024

109 N RIVER ST

COMMERCE, OK 74339
2
Beds
1
Baths
600 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1933
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$86K
$73K low$100K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · Jan 23, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$18,613
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$14,890
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.78%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$67,500
SECURITY BANK & TRUST · recorded Jan 23, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$829 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$8,550 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$355
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$8,195
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,990
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$75,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
65
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOTTAWA
Lot (acres)The size of the land the home sits on, from county records.0.22
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 180 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Commerce Middle SchoolC-
Middle · Grades 6–8 · 0.1 mi
H
Commerce High SchoolB
High · Grades 9–12 · 0.4 mi
E
Alexander Elementary SchoolC
Elementary · Grades PK–5 · 0.5 mi

District: Commerce Public Schools

Neighborhood · ZIP 74339These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.114
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.1,828
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.505 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$35,453
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$50,216
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 N River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 69% of homes in Ottawa County
  • Among the highest price per square foot in Commerce 74339
  • Smaller than 98% of homes in Ottawa County
  • Has a smaller lot than 66% of homes in Ottawa County
  • Older than 90% of homes in Commerce 74339

What homes are worth in Commerce 74339

Each bar is how many homes fall in that price range. The marker is this home.

This home
$28K$194K

This home is worth more than 61% of homes in Commerce 74339.

How it measures up in Commerce 74339

The dot is this home. The mark in the middle is the typical home in Commerce 74339.

Estimated value$86,113
CheaperTypical $71,343Pricier

Pricier than 61% of homes nearby

Price per ft²$144
CheaperTypical $62Pricier

Pricier than almost all homes nearby

Living area600 ft²
SmallerTypical 1,168 ft²Bigger

Bigger than 3% of homes nearby

Lot size0.22 ac
SmallerTypical 0.22 acBigger

Bigger than 59% of homes nearby

Year built1933
OlderTypical 1953Newer

Newer than 10% of homes nearby

How 109 N River St ranks against every home in each area.
MeasureThis homeCommerce 74339Ottawa County
Estimated valuepricier than$86,11361% of homes31% of homes
Price per ft²pricier than$144almost all homes80% of homes
Living areabigger than600 ft²3% of homes2% of homes
Lot sizebigger than0.22 ac59% of homes34% of homes
Year builtnewer than193310% of homes14% of homes

About 109 N River St

How much is 109 N River St, Commerce, OK worth?

The TopHap Estimate for 109 N River St, Commerce, OK is $86,113 as of Jul 14, 2026. The likely range is $72,602 to $99,624. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 N River St, Commerce, OK last sell?

109 N River St, Commerce, OK last sold on Jan 23, 2024 for $75,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 N River St, Commerce, OK?

109 N River St, Commerce, OK has 2 bedrooms, 1 bathrooms, 600 square feet of living space and a 0.22-acre lot.

When was 109 N River St, Commerce, OK built?

109 N River St, Commerce, OK was built in 1933, making it 93 years old. It is a traditional/old home. The building has 1 story.

What schools serve 109 N River St, Commerce, OK?

109 N River St, Commerce, OK is assigned to Commerce Middle School (middle), rated C-; Commerce High School (high), rated B; Alexander Elementary School (elementary), rated C. All sit in Commerce Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 N River St, Commerce, OK compare to other homes in Commerce 74339?

Among the 872 homes in Commerce 74339, it is worth more than 61% of them ($86,113 against a typical $71,343), its price per square foot is higher than almost all of them ($144 against a typical $62), it is bigger than 3% of them (600 ft² against a typical 1,168 ft²), its lot is bigger than 59% of them (0.22 ac against a typical 0.22 ac) and it is newer than 10% of them (1933 against a typical 1953). Measured against all of Ottawa County, it is worth more than 31% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 N River St, Commerce, OK?

The 2025 property tax bill for 109 N River St, Commerce, OK was $829. The county assessed it at $8,550.

Closest homes

More homes in Commerce 74339

Assigned schools

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