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Single Family ResidenceResidential
$122,898$81 / 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 40How 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

401 S RIVER ST

COMMERCE, OK 74339
3
Beds
2
Baths
1,512 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.
1971
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

$123K
$49K low$197K 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.$122,898
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$98,318

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,072 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$44
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,028
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,071
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$44,360

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.
33
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
CountyOttawa
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.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 120 ft²Patio · 144 ft²Porch · 96 ft²

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

H
Commerce High SchoolB
High · Grades 9–12 · 0.1 mi
M
Commerce Middle SchoolC-
Middle · Grades 6–8 · 0.2 mi
E
Alexander Elementary SchoolC
Elementary · Grades PK–5 · 0.7 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

401 S 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 more than 83% of homes in Commerce 74339
  • Costs more per square foot than 71% of homes in Commerce 74339
  • Bigger than 81% of homes in Commerce 74339
  • Newer than 77% 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
$27K$194K

This home is worth more than 83% 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$122,898
CheaperTypical $71,302Pricier

Pricier than 83% of homes nearby

Price per ft²$81
CheaperTypical $62Pricier

Pricier than 71% of homes nearby

Living area1,512 ft²
SmallerTypical 1,168 ft²Bigger

Bigger than 81% of homes nearby

Year built1971
OlderTypical 1953Newer

Newer than 77% of homes nearby

How 401 S River St ranks against every home in each area.
MeasureThis homeCommerce 74339Ottawa County
Estimated valuepricier than$122,89883% of homes48% of homes
Price per ft²pricier than$8171% of homes42% of homes
Living areabigger than1,512 ft²81% of homes59% of homes
Year builtnewer than197177% of homes53% of homes

About 401 S River St

How much is 401 S River St, Commerce, OK worth?

The TopHap Estimate for 401 S River St, Commerce, OK is $122,898 as of Jul 14, 2026. The likely range is $48,744 to $197,052. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 401 S River St, Commerce, OK?

401 S River St, Commerce, OK has 3 bedrooms, 2 bathrooms and 1,512 square feet of living space.

When was 401 S River St, Commerce, OK built?

401 S River St, Commerce, OK was built in 1971, making it 55 years old. The building has 1 story.

What schools serve 401 S River St, Commerce, OK?

401 S River St, Commerce, OK is assigned to Commerce High School (high), rated B; Commerce Middle School (middle), rated C-; 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 401 S River St, Commerce, OK compare to other homes in Commerce 74339?

Among the 872 homes in Commerce 74339, it is worth more than 83% of them ($122,898 against a typical $71,302), its price per square foot is higher than 71% of them ($81 against a typical $62), it is bigger than 81% of them (1,512 ft² against a typical 1,168 ft²) and it is newer than 77% of them (1971 against a typical 1953). Measured against all of Ottawa County, it is worth more than 48% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Commerce 74339

Assigned schools

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