1906 Church St, Commerce, TX 75428 Property Records

Hunt County property record for 1906 Church St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,374 sqft · built 1965
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$65,300 (Aug 2018)
Tax Bill	$1,285 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3590-0040-0062-31`

Property Details

APN / Parcel Number

Primary APN	`3590-0040-0062-31`
Alternative APNs	`R47690` `47690`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,374 sqft Living Area
1st Floor Area	1,374 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	276 ft deep x 64 ft wide
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	105 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1906 CHURCH ST
City	COMMERCE
State	TX
Zip	75428-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3590 HUNDLEY PARK ADDITION BLK 4 LOT 6C ACRES .4 (AKA S6F4.6 OF 2)
Legal Subdivision	HUNDLEY PARK ADDITION
Legal Block	4
Legal Lot Number	6C
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2034
Census Tract	960500

Owner

1906 Church St is owned and occupied by two individuals who bought it in August 2018.

Source: Hunt County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1906 CHURCH ST, COMMERCE, TX 75428-3529
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANCE BANK
Sep 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST BANK OF CELESTE
Aug 17, 2018	Vendor's Lien, Transfer ALLIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Deed Document Number	201812532
Prior Transfer Date	Aug 16, 2018
Prior Transfer Doc	0000012532
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Recording Date	Sep 29, 2026
Property Address	1906 CHURCH ST, COMMERCE, TX 75428-3529
Document Number	0000018551
Instrument Date	Sep 24, 2026
Instrument	202618551
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1906 CHURCH ST, COMMERCE, TX 75428-3529

Mortgage

Document Number	0000018551,
Date	Sep 29, 2026
Instrument	202618551

Lender

Name	ALLIANCE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 29, 2041

Interest

Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	1906 CHURCH ST, COMMERCE, TX 75428-3529
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021370
Date	Sep 12, 2022
Instrument	2022-21370

Lender

Name	THE FIRST BANK OF CELESTE
Type	Bank
Address	CELESTE, TX 75423

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Aug 17, 2018
Property Address	1906 CHURCH ST, COMMERCE, TX 75428-3529
Document Number	0000012532
Instrument Date	Aug 16, 2018
Instrument	2018-12532
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	KINCY ABSTRACT & SABINE TITL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4778 COUNTY ROAD 4732, 4778, COMMERCE, TX 75428-5562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1906 CHURCH ST, COMMERCE, TX 75428-3529

Mortgage

Document Number	0000012533
Date	Aug 17, 2018
Instrument	2018-12533

Lender

Name	ALLIANCE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1906 Church St was $1,285 with a homeowner's exemption, up 14% from the year before.

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	$1,285.00 (+14.02%) Homeowner's exemption	$93,790	$116,130 Land $45,480 Building $70,650
2024	$1,127.00
2023		$108,940 Land $40,950 Building $67,990	$108,940 Land $40,950 Building $67,990
2022	$1,383.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1906 Church St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective May 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2002 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1906 Church St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	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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