1018 S Commerce St, Lockhart, TX 78644 Property Records

Caldwell County property record for 1018 S Commerce St, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 1990
Lot Size	0.555 acres (24,165 sqft)
Owner	2 Individual Names on Record
Last Sale	$111,000 (Nov 2013)
Tax Bill	$6,647 (2026)
Deeds & Mortgages	Oct 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0300562-000-005-30`

Property Details

APN / Parcel Number

Primary APN	`0300562-000-005-30`
Alternative APNs	`R20339` `20339`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,674 sqft Living Area
1st Floor Area	1,674 sqft
Utility Area	165 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1999
Architectural Style	Georgian
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Reinforced Concrete
Lot Area	24,165 sqft (0.555 acres)
Lot Dimensions	242 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	404 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Patio Area	152 sqft
Shed	1 Shed
Shed Area	384 sqft
Storage Building	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20339
Street Address	1018 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 5
Legal Subdivision	SOUTH ADDN.
Legal Block	1
Legal Lot Number	5
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	4
Census Block	4012
Census Tract	960200

Owner

Source: Caldwell County records, as of October 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1018 S COMMERCE ST, LOCKHART, TX 78644-3430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2013 · Amount on Record
Deed Sale	Nov 14, 2013 · Amount on Record
Deed Document Number	20136536
Prior Transfer Date	Nov 4, 2013
Prior Transfer Doc	0000006536
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Recording Date	Oct 9, 2026
Property Address	1018 S COMMERCE ST, LOCKHART, TX 78644-3430
Document Number	0000008264
Instrument Date	Oct 7, 2026
Instrument	20268264
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 S COMMERCE ST, LOCKHART, TX 78644-3430

Mortgage

Document Number	0000008264,
Date	Oct 9, 2026
Instrument	20268264

Lender

Name	BOKF NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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	$6,647.00 (-3.4%)	$322,140 (+2.99%) Land $95,450 Building $226,690	$322,140 (+2.99%) Land $95,450 Building $226,690
2025		$312,790 (-10.04%) Land $95,450 Building $217,340	$312,790 (-10.04%) Land $95,450 Building $217,340
2024	$6,881.00 (-0.56%)
2023	$6,920.00 (-1.1%)	$347,700 Land $95,450 Building $252,250	$347,700 Land $95,450 Building $252,250
2022	$6,997.00

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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