109 Commerce St, Palacios, TX 77465 Property Records

Matagorda County property record for 109 Commerce St, Palacios, TX 77465

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,702 sqft · built 1960
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Jul 2019)
Tax Bill	$3,880 (2026)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`3321-0010-001200`

Property Details

APN / Parcel Number

Primary APN	`3321-0010-001200`
Alternative APN	`41892`

Interior

Full Baths	2 Baths
Building Area	1,702 sqft Living Area
Gross Area	2,188 sqft
1st Floor Area	1,702 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,999 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Porch	Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3321-0010-001200
Street Address	109 COMMERCE ST
City	PALACIOS
State	TX
Zip	77465-5437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALACIOS ORIGINAL TOWNSITE, BLOCK 1, LOT 12-REPLAT, (60' X 150')
Legal Block	1
Jurisdiction	MATAGORDA TX
Township / Civil Division	PALACIOS
Census Block Group	2
Census Block	2049
Census Tract	730600

Owner

109 Commerce St is owned by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	509 11TH ST, PALACIOS, TX 77465-4613
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Deed Document Number	20193560
Prior Transfer Date	Jul 2, 2019
Prior Transfer Doc	2019003560
Record Updated	Oct 29, 2026

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MATAGORDA TX
Recording Date	Jul 3, 2019
Property Address	109 COMMERCE ST, PALACIOS, TX 77465-5437
Document Number	2019003560
Map Reference	VOL 14 PG 374
Instrument Date	Jul 2, 2019
Instrument	2019-003560
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PALACIOS ABSTRACT AND TTL CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1102 TATE TRL, 1102, SAN MARCOS, TX 78666-5225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 11TH ST, PALACIOS, TX 77465-4613

Mortgage

Document Number	2019003561
Date	Jul 3, 2019
Instrument	2019-003561

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 109 Commerce St was $3,880, up 5.3% from the year before.

Source: Matagorda County assessment roll, as of February 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,880.00 (+5.29%)	$182,480 (-3.17%) Land $23,130 Building $159,350	$182,480 (-3.17%) Land $23,130 Building $159,350
2025	$3,685.00	$188,460 Land $23,130 Building $165,330	$188,460 Land $23,130 Building $165,330
2023		$135,550 Land $14,940 Building $120,610	$135,550 Land $14,940 Building $120,610
2022	$3,717.00

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

Flood

FEMA maps place 109 Commerce St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Harvey, Aug 2017 · 6 claims Hurricane Ike, Sep 2008 · 4 claims Hurricane Claudette, Jul 2003 · 8 claims

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.

Wildfire

The area around 109 Commerce St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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