1312 O'Neal St, Commerce, TX 75428 Property Records

Hunt County property record for 1312 O'Neal St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1,295 sqft · built 1934
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,985 (2024)
Deeds & Mortgages	Aug 2018 Mortgage Nov 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4230-0030-0011-31`

Property Details

APN / Parcel Number

Primary APN	`4230-0030-0011-31`
Alternative APN	`R52994`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,295 sqft Living Area
1st Floor Area	1,295 sqft

Exterior

Year Built	Built 1934
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Porch	Open Porch
Porch Area	259 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	R52994
Street Address	1312 ONEAL ST
City	COMMERCE
State	TX
Zip	75428-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S4230 JACK O'NEIL ADDITION BLK 3 LOT 1A (S1/2 OF 1-2) ACRES .3444
Legal Subdivision	JACK O'NEIL ADDITION
Legal Block	3
Legal Lot Number	1A 2A
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3055
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	2 Individual Names on Record
Mailing Address	1372 WHITAKER RD, VAN ALSTYNE, TX 75495-2604
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2018	Warranty Deed, Transfer SUPREME LNDG
Nov 9, 2017	Warranty Deed, Transfer OTHER
Oct 3, 2017	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025
Deed Sale	Jun 2, 2025
Deed Document Number	0020259821
Prior Transfer Date	Aug 31, 2018
Prior Transfer Doc	2018-13305
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Aug 31, 2018
Property Address	1309 ONEAL ST, COMMERCE, TX 75428-2103
Document Number	0000013305
Instrument Date	Aug 30, 2018
Instrument	13305
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 ONEAL ST COMMERCE TX 754282103, COMMERCE, TX 75428-2103

Mortgage

Document Number	13306
Date	Aug 31, 2018
Instrument	13306

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 30, 2033

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Nov 9, 2017
Property Address	1309 ONEAL ST, COMMERCE, TX 75428-2103
Document Number	0000015708
Instrument Date	Nov 8, 2017
Instrument	15708
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2013 STAGECOACH TRL HEARTLAND TX 751268286, HEARTLAND, TX 75126-8286

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Oct 3, 2017
Property Address	1309 ONEAL ST, COMMERCE, TX 75428-2103
Document Number	0000013789
Instrument Date	Oct 2, 2017
Instrument	13789
Transaction Type	Transfer
Record Updated	Oct 18, 2017
Title Company	NORTH AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2013 STAGECOACH TRL HEARTLAND TX 751268286, HEARTLAND, TX 75126-8286

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		$147,270 (+13.94%) Land $40,050 Building $107,220	$147,270 (+13.94%) Land $40,050 Building $107,220
2024	$3,985.00 (+77.9%)
2023		$129,250 Land $37,500 Building $91,750	$129,250 Land $37,500 Building $91,750
2022	$2,240.00

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 64% of the US · lower than 89% of Texas
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
360 Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Nextlink, Peoples Communications, Verizon.

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