1009 Jernigan St, Commerce, TX 75428 Property Records

Hunt County property record for 1009 Jernigan St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,240 sqft · built 1950
Lot Size	0.197 acres (8,580 sqft)
Owner	Company Name on File
Tax Bill	$2,020 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4380-0320-0091-31`

Property Details

APN / Parcel Number

Primary APN	`4380-0320-0091-31`
Alternative APNs	`R54544` `54544`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,580 sqft (0.197 acres)
Lot Dimensions	143 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1009 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 9 ACRES .197 (S&E E8X60)
Legal Subdivision	ORIG TOWN OF COMMERCE
Legal Block	32
Legal Lot Number	9
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3031
Census Tract	960500

Owner

1009 Jernigan St is owned by a company that acquired it in December 2022.

Source: Hunt County records, as of March 25, 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	Company Name on File
Mailing Address	3805 HUDSON DR, SACHSE, TX 75048-4413
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage BPL MORTGAGE TRUST LLC
Aug 16, 2022	Vendor's Lien, Transfer · Stand-Alone First Mortgage ERNERSTO EERNANDEZ
Oct 3, 2017	Vendor's Lien, Transfer · Commercial Mortgage GUARANTY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022
Deed Sale	Dec 13, 2022
Prior Sale	Aug 16, 2022 · Amount on File
Deed Document Number	202228956
Prior Transfer Date	Oct 2, 2017
Prior Transfer Doc	0000013738
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	1009 JERNIGAN ST, COMMERCE, TX 75428-2227
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011582
Date	Jun 22, 2023
Instrument	2023-11582

Lender

Name	BPL MORTGAGE TRUST LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Aug 16, 2022
Property Address	1009 JERNIGAN ST, COMMERCE, TX 75428-2227
Document Number	0000019153
Instrument Date	Aug 4, 2022
Instrument	2022-19153
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5201 COUNTY ROAD 2720, 5201, CADDO MILLS, TX 75135-5668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2501 GARDEN DR, GREENVILLE, TX 75402-7337

Mortgage

Document Number	0000019154
Date	Aug 16, 2022
Instrument	2022-19154

Lender

Name	ERNERSTO EERNANDEZ
Type	Private Party
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	6 Months
Due	Feb 1, 2023

October 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Oct 3, 2017
Property Address	1009 JERNIGAN ST, COMMERCE, TX 75428-2227
Document Number	0000013738
Instrument Date	Oct 2, 2017
Instrument	2017-13738
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4494 COUNTY ROAD 4509, 4494, COMMERCE, TX 75428-5246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5201 COUNTY ROAD 2720, CADDO MILLS, TX 75135-5668

Mortgage

Document Number	0000013739
Date	Oct 3, 2017
Instrument	2017-13739

Lender

Name	GUARANTY BANK & TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 2, 2032

Interest

Rate Type	Adjustable Rate

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		$83,480 Land $25,400 Building $58,080	$83,480 Land $25,400 Building $58,080
2024	$2,020.00
2023		$65,310 Land $19,390 Building $45,920	$65,310 Land $19,390 Building $45,920
2022	$1,677.00

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

Flood

FEMA maps place 1009 Jernigan St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1009 Jernigan St is low, with a 0.04% annual chance of 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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