Harris County property record for 111 Commerce Ln, Highlands, TX 77562 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,952 sqft · built 1998 |
| Lot Size | 0.999 acres (43,512 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $76 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-040-001-0196 |
| Primary APN | 041-040-001-0196 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 1,952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Lot Area | 43,512 sqft (0.999 acres) |
| View / Lot | Major Commercial Strip |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0410400010196 |
|---|---|
| Street Address | 111 COMMERCE LN |
| City | HIGHLANDS |
| State | TX |
| Zip | 77562-5414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 22A ABST 84 R WHITE |
| Legal Subdivision | ABST 84 R WHITE |
| Legal Tract | 22A |
| Legal Block | 3 |
| Jurisdiction | HARRIS TX |
| Township / Civil Division | NORTHEAST HARRIS |
| Census Block Group | 3 |
| Census Block | 3065 |
| Census Tract | 252800 |
Source: Harris County records · APN 041-040-001-0196
Assessment roll updated May 26, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 111 COMMERCE LN, HIGHLANDS, TX 77562-5414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 08, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 05, 2023 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Recording Date | May 08, 2026 |
| Property Address | 111 COMMERCE LN, HIGHLANDS, TX 77562-5414 |
| Document Number | 0000180259 |
| Instrument Date | May 06, 2026 |
| Instrument | 2026180259 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1209 JUDY CT, HOUSTON, TX 77015-6131 |
| Document Number | 0000180259, |
|---|---|
| Date | May 08, 2026 |
| Instrument | 2026180259 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRIS TX |
| Property Address | 111 COMMERCE LN, HIGHLANDS, TX 77562-5414 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 111 COMMERCE LN, HIGHLANDS, TX 77562-5414 |
| Document Number | 0000457059 |
|---|---|
| Date | Dec 05, 2023 |
| Instrument | 2023-457059 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.07% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 01, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12% |
Source: Harris County records · Assessment roll updated May 26, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Harris County |
| Unified School District | Crosby Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $76.00 (-2.56%) Homeowner's exemption | $293,927 (+31.71%) Land $54,390 Building $239,537 | $293,927 (+31.71%) Land $54,390 Building $239,537 |
| 2024 | $78.00 (+5.41%) | ||
| 2023 | $223,169 Land $54,390 Building $168,779 | $223,169 Land $54,390 Building $168,779 | |
| 2022 | $74.00 (-13.95%) | ||
| 2020 | $86.00 |
Source: FEMA National Flood Hazard Layer, Harris County (48201C), updated May 17, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482012528003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 70 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 70 in force |
| Nearby Flood Claims | 113 (1979–2019) |
| Claims Outside the SFHA | 113 of 113 |
| Most Recent Claim | Sep 2019, other causes, Tropical Storm Imelda |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 64% of the US · above 50% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 420 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 71 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 7,000 / 7,000 |
| Xfinity | Cable | 2,000 / 250 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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