Matagorda County property record for 108 Commerce St, Palacios, TX 77465
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,528 sqft · built 1903 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,673 (Sep 2026) |
| Tax Bill | $2,889 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 3321-0020-000400 |
| Primary APN | 3321-0020-000400 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,528 sqft Living Area |
| Gross Area | 2,714 sqft |
| 1st Floor Area | 1,528 sqft |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Porch | Porch |
| Porch Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 3321-0020-000400 |
|---|---|
| Street Address | 108 COMMERCE ST |
| City | PALACIOS |
| State | TX |
| Zip | 77465-5438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALACIOS ORIGINAL TOWNSITE, BLOCK 2, LOT 4-5 |
| Legal Subdivision | ORIGINAL TOWNSITE OF PALACIOS |
| Legal Block | 2 |
| Jurisdiction | MATAGORDA TX |
| Township / Civil Division | PALACIOS |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 730600 |
Source: Matagorda 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 | Individual Name on Record |
|---|---|
| Mailing Address | 108 COMMERCE ST, PALACIOS, TX 77465-5438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on Record |
| Deed Sale | Sep 1, 2026 · Amount on Record |
| Prior Sale | Aug 20, 2014 · Amount on Record |
| Deed Document Number | 20264685 |
| Prior Transfer Date | Aug 15, 2014 |
| Prior Transfer Doc | 0000004534 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MATAGORDA TX |
| Recording Date | Sep 1, 2026 |
| Property Address | 108 COMMERCE ST, PALACIOS, TX 77465-5438 |
| Document Number | 0000004685 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20264685 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2026 |
| Title Company | TEXAS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 COMMERCE ST, PALACIOS, TX 77465-5438 |
| Document Number | 0000004686, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 20264686 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
Source: Matagorda County assessment roll, as of February 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Matagorda County |
| Municipality | Palacios City |
| Unified School District | Palacios Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,889.00 (+123.09%) Homeowner's exemption | $135,856 (-0.1%) | $147,010 (+8.1%) Land $35,060 Building $111,950 |
| 2025 | $1,295.00 (-54.99%) Homeowner's exemption | $135,990 (+33.23%) Land $35,060 Building $100,930 | $135,990 (+33.23%) Land $35,060 Building $100,930 |
| 2023 | $102,070 Land $22,780 Building $79,290 | $102,070 Land $22,780 Building $79,290 | |
| 2022 | $2,877.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 52 policies |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 58 (1979–2025) |
| Claims Outside the SFHA | 30 of 58 |
| Most Recent Claim | Jun 2025 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PALACIOS serves 4,700 people · EPA ID TX1610004 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 255 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Nextlink Fixed Wireless | 1,000 / 500 |
| Sparklight Cable | 1,000 / 50 |
| TISD Fixed Wireless | 400 / 100 |
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