1315 O'Neal St, Commerce, TX 75428 Property Records

Hunt County property record for 1315 O'Neal St, Commerce, TX 75428

Property Summary

Property Type	Residential
Details	2,240 sqft · built 2025
Lot Size	0.344 acres (14,985 sqft)
Owner	Company Name on Record
Tax Bill	$1,081 (2024)
Deeds & Mortgages	Aug 2025 Mortgage Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4230-0000-004R-31`

Property Details

APN / Parcel Number

Primary APN	`4230-0000-004R-31`
Alternative APN	`R205350`

Interior

Stories	1 Story
Building Area	2,240 sqft Total Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 2025
Lot Area	14,985 sqft (0.344 acres)
Porch	Open Porch

Location & Zoning

Account Number	R205350
Street Address	1315 ONEAL ST
City	COMMERCE
State	TX
Zip	75428-2103
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	S4230 JACK O'NEIL ADDITION LOT 4R ACRES .344
Legal Subdivision	JACK O'NEIL ADDITION
Legal Lot Number	4R
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3063
Census Tract	960500

Owner

Source: Hunt County records, as of January 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	430 RENEE DR, ROCKWALL, TX 75032-6174
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 16, 2024	Vendor's Lien, Transfer · Stand-Alone First Mortgage PLARK PLACE FUNDING LLC
Aug 15, 2022	Warranty Deed, Transfer
Mar 21, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2024
Deed Sale	Sep 26, 2024
Prior Sale	Aug 15, 2022
Deed Document Number	0202418425
Prior Transfer Date	Sep 16, 2024
Prior Transfer Doc	2024-17737
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	1315 ONEAL ST, COMMERCE, TX 75428-2103
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, STT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 RACHEL DR, SANTA MARIA, CA 93454-1572

Mortgage

Document Number	0000014385
Date	Aug 5, 2025
Instrument	2025-14385

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2055

September 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Sep 16, 2024
Property Address	1315 ONEAL ST, COMMERCE, TX 75428-2103
Document Number	0000017737
Map Reference	VOL 400 PG 1975
Instrument Date	Sep 13, 2024
Instrument	2024-17737
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 RENEE DR, ROCKWALL, TX 75032-6174

Mortgage

Document Number	0000017738
Date	Sep 16, 2024
Instrument	2024-17738

Lender

Name	PLARK PLACE FUNDING LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 13, 2025

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Aug 15, 2022
Property Address	1315 ONEAL ST, COMMERCE, TX 75428-2103
Document Number	0000018993
Map Reference	VOL 400 PG 1975
Instrument Date	Aug 12, 2022
Instrument	2022-18993
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2033, FRISCO, TX 75034-0035

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Mar 21, 2022
Property Address	1315 ONEAL ST, COMMERCE, TX 75428-2103
Document Number	0000006396
Map Reference	CAB E ENV 339
Instrument Date	Mar 16, 2022
Instrument	2022-06396
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11911 144TH ST # ST1, ST1, JAMAICA, NY 11436-1523

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

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		$40,010 (+6.81%) Land $40,010	$40,010 (+6.81%) Land $40,010
2024	$1,081.00 (+49.93%)
2023		$37,460 Land $37,460	$37,460 Land $37,460
2022	$721.00

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.

Nearby Properties on O'Neal St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures