1501 O'Neal St, Commerce, TX 75428 Property Records

Hunt County property record for 1501 O'Neal St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1,855 sqft · built 2022
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$334,204 (Sep 2026)
Tax Bill	$5,985 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4230-0000-007R-31`

Property Details

APN / Parcel Number

Primary APN	`4230-0000-007R-31`
Alternative APNs	`R205353` `205353`

Interior

Stories	1 Story
Building Area	1,855 sqft Living Area
Gross Area	2,339 sqft
1st Floor Area	1,855 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	1501 ONEAL ST
City	COMMERCE
State	TX
Zip	75428-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S4230 JACK ONEIL ADDITION LOT 7R ACRES .344
Legal Subdivision	JACK ONEIL ADDITION
Legal Block	3
Legal Lot Number	7R
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	3
Census Block	3063
Census Tract	960500

Owner

Source: Hunt County records, as of October 21, 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
Mailing Address	504 MOUNT OLIVE AVE, MCKINNEY, TX 75072-5708
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed, Transfer · FHA Mortgage LOWER LLC
Jun 23, 2023	Vendor's Lien, Transfer · Conventional Mortgage ORCHARD MORTGAGE LLC
Dec 10, 2021	Warranty Deed, Transfer
Dec 10, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Jun 23, 2023 · Amount on Record
Deed Document Number	202617682
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HUNT TX
Recording Date	Sep 17, 2026
Property Address	1501 ONEAL ST, COMMERCE, TX 75428-2107
Document Number	0000017682
Instrument Date	Sep 15, 2026
Instrument	202617682
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	LAW AND TITLE, MONEY LAW & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 MOUNT OLIVE AVE, MCKINNEY, TX 75072-5708

Mortgage

Document Number	0000017683,
Date	Sep 17, 2026
Instrument	202617683

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

June 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Jun 23, 2023
Property Address	1501 ONEAL ST, COMMERCE, TX 75428-2107
Document Number	0000011700
Map Reference	CAB F SL 269
Instrument Date	Jun 22, 2023
Instrument	2023-11700
Transaction Type	Transfer
Record Updated	Nov 28, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 ONEAL ST, COMMERCE, TX 75428-2107

Mortgage

Document Number	0000011701
Date	Jun 23, 2023
Instrument	2023-11701

Lender

Name	ORCHARD MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Dec 10, 2021
Property Address	1501 ONEAL ST, COMMERCE, TX 75428-2107
Document Number	0000027899
Instrument Date	Dec 9, 2021
Instrument	2021-27899
Transaction Type	Transfer
Record Updated	Nov 28, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	325 N SAINT PAUL ST STE 3100, 3100, DALLAS, TX 75201-3923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 ROOSEVELT ST, MCKINNEY, TX 75069-4277
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Dec 10, 2021
Property Address	1501 ONEAL ST, COMMERCE, TX 75428-2107
Document Number	0000027896
Instrument Date	Dec 9, 2021
Instrument	2021-27896
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1349 W HORIZON RIDGE PKWY APT 516, 516, HENDERSON, NV 89012-2468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 N SAINT PAUL ST STE 3100, 3100, DALLAS, TX 75201-3923
Investor	Possibly a Property Investor

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
2026		$283,374 (-4.23%) Land $37,849 Building $245,525	$283,374 (-4.23%) Land $37,849 Building $245,525
2025	$5,985.00 (-16.07%)	$295,880 (+10.92%) Land $40,010 Building $255,870	$295,880 (+10.92%) Land $40,010 Building $255,870
2024	$7,131.00 (+889.04%)
2023		$266,740 (+929.09%) Land $37,460 Building $229,280	$266,740 (+929.09%) Land $37,460 Building $229,280
2022	$721.00	$25,920 Land $25,920	$25,920 Land $25,920

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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