1307 Cowan Dr, Commerce, TX 75428 Property Records

Hunt County property record for 1307 Cowan Dr, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,029 sqft · built 1968
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$188,423 (Jan 2023)
Tax Bill	$3,459 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2591-0000-0140-31`

Property Details

APN / Parcel Number

Primary APN	`2591-0000-0140-31`
Alternative APNs	`R42651` `42651`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,029 sqft Living Area
1st Floor Area	2,029 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1307 COWAN DR
City	COMMERCE
State	TX
Zip	75428-3821
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S2591 COWAN H O SUBDIVISION #2 LOT 14 ACRES .3099
Legal Subdivision	COWAN H O SUBDIVISION #2
Legal Block	2
Legal Lot Number	14
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2036
Census Tract	960600

Owner

Source: Hunt County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1307 COWAN DR, COMMERCE, TX 75428-3821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Vendor's Lien, Transfer · FHA Mortgage T2 FINANCIAL LLC
Jul 22, 2022	Deed of Trust, Mortgage · ARM CYPRESS BANK SSB
Oct 22, 2018	Warranty Deed, Transfer NORTH TEXAS TITLE
Nov 1, 2018	Warranty Deed, Transfer BILL ASLAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2023941
Prior Transfer Date	Jun 29, 2021
Prior Transfer Doc	0000013924
Record Updated	Oct 29, 2026

January 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Jan 17, 2023
Property Address	1307 COWAN DR, COMMERCE, TX 75428-3821
Document Number	0000000941
Map Reference	VOL 400 PG 387
Instrument Date	Jan 13, 2023
Instrument	2023-00941
Transaction Type	Transfer
Record Updated	Jan 30, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2819 BIRCHWOOD LN, COMMERCE, TX 75428-3862

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 COWAN DR, COMMERCE, TX 75428-3821

Mortgage

Document Number	0000000942
Date	Jan 17, 2023
Instrument	2023-00942

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	1307 COWAN DR, COMMERCE, TX 75428-3821
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 PARK ST, COMMERCE, TX 75428-2646

Mortgage

Document Number	0000017156
Date	Jul 22, 2022
Instrument	2022-17156

Lender

Name	CYPRESS BANK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	Other
Max Rate	10.8%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Oct 22, 2018
Property Address	1307 COWAN DR, COMMERCE, TX 75428-3821
Document Number	0000016111
Instrument Date	Oct 16, 2018
Instrument	16111
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	NORTH TEXAS TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OAK LN COMMERCE TX 754283620, COMMERCE, TX 75428-3620

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Nov 1, 2018
Property Address	1307 COWAN DR, COMMERCE, TX 75428-3821
Document Number	0000016657
Instrument Date	Oct 16, 2018
Instrument	16657
Transaction Type	Transfer
Record Updated	Nov 9, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2819 BIRCHWOOD LN COMMERCE TX 754283862, COMMERCE, TX 75428-3862

Mortgage

Document Number	16658
Date	Nov 1, 2018
Instrument	16658

Lender

Name	BILL ASLAN
Address	109 OAK LN, COMMERCE, TX 75428-3620
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 31, 2023

Interest

Rate	6.5%

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of September 10, 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	$3,459.00 (-10.87%) Homeowner's exemption	$199,040 (-5%) Land $45,630 Building $153,410	$199,040 (-5%) Land $45,630 Building $153,410
2024	$3,881.00 (-28.2%)
2023		$209,510 Land $39,290 Building $170,220	$209,510 Land $39,290 Building $170,220
2022	$5,405.00

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

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 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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