1403 O'Neal St, Commerce, TX 75428 Property Records

Hunt County property record for 1403 O'Neal St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1,882 sqft · built 2023
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Tax Bill	$7,017 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`4230-0000-005R-31`

Property Details

APN / Parcel Number

Primary APN	`4230-0000-005R-31`
Alternative APN	`R205351`

Interior

Stories	1 Story
Building Area	1,882 sqft Living Area
1st Floor Area	1,882 sqft

Exterior

Year Built	Built 2023
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Location & Zoning

Account Number	R205351
Street Address	1403 ONEAL ST
City	COMMERCE
State	TX
Zip	75428-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S4230 JACK O'NEIL ADDITION LOT 5R ACRES .344
Legal Subdivision	JACK O'NEIL ADDITION
Legal Lot Number	5R
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1403 ONEAL ST, COMMERCE, TX 75428-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Vendor's Lien, Transfer · VA Mortgage HIGHLAND HOMELOANS LLC
Aug 17, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024
Deed Sale	Apr 1, 2024
Prior Sale	Aug 17, 2022
Deed Document Number	2024-05545
Record Updated	Jun 8, 2026

April 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Apr 1, 2024
Property Address	1403 ONEAL ST, COMMERCE, TX 75428-2105
Document Number	0000005545
Map Reference	VOL 400 PG F SL 269
Instrument Date	Mar 28, 2024
Instrument	2024-05545
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	PROROVIDENCE TITLE COMPANY, PROVIDENCE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1202 ROOSEVELT ST, MCKINNEY, TX 75069-4277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1403 ONEAL ST, COMMERCE, TX 75428-2105

Mortgage

Document Number	0000005993
Date	Apr 1, 2024
Instrument	2024-05993

Lender

Name	HIGHLAND HOMELOANS LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Aug 17, 2022
Property Address	1403 ONEAL ST, COMMERCE, TX 75428-2105
Document Number	0000019265
Map Reference	CAB F SL 269
Instrument Date	Aug 12, 2022
Instrument	2022-19265
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1510 COLONEL DR, GARLAND, TX 75043-1219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 ROOSEVELT ST, MCKINNEY, TX 75069-4277

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		$300,640 (+702.56%) Land $40,010 Building $260,630	$300,640 (+702.56%) Land $40,010 Building $260,630
2024	$7,017.00 (+873.23%)
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.

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