120 Royal Ln, Commerce, TX 75428 Property Records

Hunt County property record for 120 Royal Ln, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	2,073 sqft · built 1969
Lot Size	0.408 acres (17,816 sqft)
Owner	Individual Name on Record
Tax Bill	$3,977 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5036-0000-0200-31`

Property Details

APN / Parcel Number

Primary APN	`5036-0000-0200-31`
Alternative APN	`R79134`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,073 sqft Living Area
1st Floor Area	2,073 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,816 sqft (0.408 acres)
Lot Dimensions	151 ft deep x 118 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R79134
Street Address	120 ROYAL LN
City	COMMERCE
State	TX
Zip	75428-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S5036 SOUTHGATE ADDITION # 2 LOT 20 ACRES .409
Legal Subdivision	SOUTHGATE ADDITION # 2
Legal Lot Number	20
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1002
Census Tract	960500

Owner

Source: Hunt County records, as of October 23, 2025

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	120 ROYAL LN, COMMERCE, TX 75428-3834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW CMNTY CAP LLC
Oct 2, 2018	Vendor's Lien, Transfer JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2018
Deed Sale	Oct 2, 2018
Prior Sale	Aug 9, 2007
Deed Document Number	2018-15040
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	120 ROYAL LN, COMMERCE, TX 75428-3834
Document Number	0000011197
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ROYAL LN COMMERCE TX 754283834, COMMERCE, TX 75428-3834

Mortgage

Document Number	0000011197
Date	Jul 14, 2020
Instrument	11197

Lender

Name	LAKEVIEW CMNTY CAP LLC
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

October 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Oct 2, 2018
Property Address	120 ROYAL LN, COMMERCE, TX 75428-3834
Document Number	0000015040
Map Reference	VOL400 PG9-A
Instrument Date	Oct 1, 2018
Instrument	2018-15040
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ROYAL LN, COMMERCE, TX 75428-3834

Mortgage

Document Number	0000015041
Date	Oct 2, 2018
Instrument	2018-15041

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of July 25, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$223,298 (+4.2%) Land $54,880 Building $179,940	$234,820 (+9.58%) Land $54,880 Building $179,940
2024	$3,977.00 (-2.76%)
2023		$214,290 Land $47,930 Building $166,360	$214,290 Land $47,930 Building $166,360
2022	$4,090.00

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 May 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 91% 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 COMMERCE serves 9,266 people · EPA ID TX1160003
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jul 2022 Total trihalomethanes resolved · Oct 2017 Haloacetic acids resolved · Jan 2017
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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	400 / 50

May also be available: Nextlink, Verizon.

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