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Single Family ResidenceResidential
$48,373$84 / 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 90How 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

313 N RIVER ST

COMMERCE, OK 74339
2
Beds
1
Baths
576 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.
1938
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$48K
$44K low$53K high
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.$12,673
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$10,138
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.79%
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.$35,700
BOKF NA · recorded Oct 26, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$179 (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.$2,846 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$220
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,626
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,764
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$44,225

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
37
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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2001
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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.Patio · 220 ft²Porch · 176 ft²

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

E
Alexander Elementary SchoolC
Elementary · Grades PK–5 · 0.2 mi
M
Commerce Middle SchoolC-
Middle · Grades 6–8 · 0.3 mi
H
Commerce High SchoolB
High · Grades 9–12 · 0.6 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.Owner occupied
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

313 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 89% of homes in Ottawa County
  • Costs more per square foot than 75% of homes in Commerce 74339
  • Among the smallest homes in Ottawa County
  • Older than 82% of homes in Ottawa County

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
$27K$194K

This home is worth more than 24% 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$48,373
CheaperTypical $71,302Pricier

Pricier than 24% of homes nearby

Price per ft²$84
CheaperTypical $62Pricier

Pricier than 75% of homes nearby

Living area576 ft²
SmallerTypical 1,168 ft²Bigger

Bigger than 2% of homes nearby

Year built1938
OlderTypical 1953Newer

Newer than 27% of homes nearby

How 313 N River St ranks against every home in each area.
MeasureThis homeCommerce 74339Ottawa County
Estimated valuepricier than$48,37324% of homes11% of homes
Price per ft²pricier than$8475% of homes45% of homes
Living areabigger than576 ft²2% of homesalmost no homes
Year builtnewer than193827% of homes18% of homes

About 313 N River St

How much is 313 N River St, Commerce, OK worth?

The TopHap Estimate for 313 N River St, Commerce, OK is $48,373 as of Jul 14, 2026. The likely range is $43,565 to $53,181. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 313 N River St, Commerce, OK last sell?

313 N River St, Commerce, OK last sold on Aug 22, 2023, according to the county's recorded deed.

How big is 313 N River St, Commerce, OK?

313 N River St, Commerce, OK has 2 bedrooms, 1 bathrooms and 576 square feet of living space.

When was 313 N River St, Commerce, OK built?

313 N River St, Commerce, OK was built in 1938, making it 88 years old. It is a traditional/old home. The building has 1 story.

What schools serve 313 N River St, Commerce, OK?

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

How does 313 N River St, Commerce, OK compare to other homes in Commerce 74339?

Among the 872 homes in Commerce 74339, it is worth more than 24% of them ($48,373 against a typical $71,302), its price per square foot is higher than 75% of them ($84 against a typical $62), it is bigger than 2% of them (576 ft² against a typical 1,168 ft²) and it is newer than 27% of them (1938 against a typical 1953). Measured against all of Ottawa County, it is worth more than 11% 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 313 N River St, Commerce, OK?

The 2025 property tax bill for 313 N River St, Commerce, OK was $179. The county assessed it at $2,846.

Closest homes

More homes in Commerce 74339

Assigned schools

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