1014 S Commerce St, Lockhart, TX 78644 Property Records

Caldwell County property record for 1014 S Commerce St, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,320 sqft · built 1939
Lot Size	0.272 acres (11,848 sqft)
Owner	Individual Name on Record
Last Sale	$297,920 (Nov 2022)
Tax Bill	$5,525 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0300562-000-004-10`

Property Details

APN / Parcel Number

Primary APN	`0300562-000-004-10`
Alternative APNs	`R20336` `20336`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Utility Area	28 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2014
Architectural Style	Georgian
Exterior Material	Vinyl
Roof Type	Mansard
Lot Area	11,848 sqft (0.272 acres)
Lot Dimensions	261 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	210 sqft
Patio Area	14 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	20336
Street Address	1014 S COMMERCE ST
City	LOCKHART
State	TX
Zip	78644-3430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ADDN., BLOCK 1, LOT PT 4
Legal Subdivision	SOUTH ADDN.
Legal Block	1
Legal Lot Number	4
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	4
Census Block	4012
Census Tract	960200

Owner

Source: Caldwell County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1014 S COMMERCE ST, LOCKHART, TX 78644-3430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Vendor's Lien, Transfer · Conventional Mortgage UNIVERSITY FCU
Jan 12, 2017	Vendor's Lien, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Prior Sale	Jan 12, 2017 · Amount on Record
Deed Document Number	20228867
Prior Transfer Date	Jan 10, 2017
Prior Transfer Doc	2017000199
Record Updated	Sep 20, 2026

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Nov 15, 2022
Property Address	1014 S COMMERCE ST, LOCKHART, TX 78644-3430
Document Number	2022008867
Map Reference	VOL 4 PG 241
Instrument Date	Nov 10, 2022
Instrument	2022-008867
Transaction Type	Transfer
Record Updated	Nov 30, 2022
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 S COMMERCE ST, LOCKHART, TX 78644-3430

Mortgage

Document Number	2022008868
Date	Nov 15, 2022
Instrument	2022-008868

Lender

Name	UNIVERSITY FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

January 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Jan 12, 2017
Property Address	1014 S COMMERCE ST, LOCKHART, TX 78644-3430
Document Number	2017000199
Map Reference	VOL 29 PG 241
Instrument Date	Jan 10, 2017
Instrument	2017-000199
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	NOT AVAILABLE, CALEVERAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 PARKVIEW CV, PFLUGERVILLE, TX 78660-2742

Mortgage

Document Number	2017000200
Date	Jan 12, 2017
Instrument	2017-000200

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,525.00 (-6.12%)
2025	$5,885.00 (+21.69%) Homeowner's exemption	$289,480 (+0.73%) Land $65,640 Building $223,840	$289,480 (+0.73%) Land $65,640 Building $223,840
2024	$4,836.00 (+1.55%)
2023	$4,762.00 (+85.22%) Homeowner's exemption Senior Citizen's exemption	$287,380 Land $65,640 Building $221,740	$287,380 Land $65,640 Building $221,740
2022	$2,571.00

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 June 9, 2026

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 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 LOCKHART serves 18,800 people · EPA ID TX0280001
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
VTX Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Spry Air Fiber Fixed Wireless	250 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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