1005 Jernigan St, Commerce, TX 75428 Property Records

Hunt County property record for 1005 Jernigan St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,205 sqft · built 1941
Lot Size	0.346 acres (15,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,200 (Nov 2022)
Tax Bill	$3,122 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4380-0320-0020-31`

Property Details

APN / Parcel Number

Primary APN	`4380-0320-0020-31`
Alternative APNs	`R54536` `54536`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,205 sqft Living Area
1st Floor Area	1,491 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Construction Type	Frame
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Lot Dimensions	180 ft deep x 84 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	318 sqft
Patio Area	270 sqft
Shed	1 Shed
Shed Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1005 JERNIGAN ST
City	COMMERCE
State	TX
Zip	75428-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S4380 ORIG TOWN OF COMMERCE BLK 32 LOT 2, (LOT 9 FR COX) ACRES .346
Legal Subdivision	ORIG TOWN OF COMMERCE
Legal Block	32
Legal Lot Number	2
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3031
Census Tract	960500

Owner

Source: Hunt County records, as of August 4, 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 Record
Mailing Address	1005 JERNIGAN ST, COMMERCE, TX 75428-2227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Vendor's Lien, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 1, 2019	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2022 · Amount on Record
Deed Sale	Nov 1, 2022 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	202225578
Prior Transfer Date	Aug 6, 2016
Prior Transfer Doc	0000010688
Record Updated	Oct 29, 2026

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Nov 1, 2022
Property Address	1005 JERNIGAN ST, COMMERCE, TX 75428-2227
Document Number	0000025578
Instrument Date	Oct 31, 2022
Instrument	2022-25578
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 JERNIGAN ST, COMMERCE, TX 75428-2227

Mortgage

Document Number	0000025579
Date	Nov 1, 2022
Instrument	2022-25579

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2042

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HUNT TX
Recording Date	Feb 1, 2019
Property Address	1005 JERNIGAN ST, COMMERCE, TX 75428-2227
Document Number	0000001482
Instrument Date	Jan 24, 2019
Instrument	2019-01482
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2018 S NOME ST, 2018, AURORA, CO 80014-1128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 JERNIGAN ST, COMMERCE, TX 75428-2227

Mortgage

Document Number	0000001483
Date	Feb 1, 2019
Instrument	2019-01483

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2029

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of September 10, 2025

Property Jurisdictions

Type	Name
State	Texas
Municipality	Commerce City
County	Hunt County
Unified School District	Commerce Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,122.00 (+0.55%) Homeowner's exemption	$186,098 (+21%)	$197,840 (+28.63%) Land $43,410 Building $154,430
2024	$3,105.00 (+136.48%)
2023		$153,800 Land $29,690 Building $124,110	$153,800 Land $29,690 Building $124,110
2022	$1,313.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 3, 2024

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF COMMERCE serves 9,266 people · EPA ID TX1160003
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jul 2022 Total trihalomethanes resolved · Oct 2017 Haloacetic acids resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
360 Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Nextlink, Peoples Communications, Verizon.

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