Caldwell County property record for 215 S Commerce St, Lockhart, TX 78644
| Property Type | Commercial |
|---|---|
| Details | 2,005 sqft · built 1910 |
| Lot Size | 0.142 acres (6,203 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,415 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0300621-000-003-01 |
| Primary APN | 0300621-000-003-01 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,005 sqft Total Area |
| 1st Floor Area | 2,005 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | French |
| Exterior Material | Brick |
| Roof Type | Mansard |
| Lot Area | 6,203 sqft (0.142 acres) |
| Lot Dimensions | 92 ft deep x 68 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 2,250 sqft |
| Porch | Slab |
| Porch Area | 35 sqft |
| Account Number | 45506 |
|---|---|
| Street Address | 215 S COMMERCE ST |
| City | LOCKHART |
| State | TX |
| Zip | 78644-2736 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | JACK PEARCE SUBD, LOT 3 |
| Legal Subdivision | JACK PEARCE SUBD |
| Legal Lot Number | 3 |
| Jurisdiction | CALDWELL TX |
| Township / Civil Division | LOCKHART |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 960300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Caldwell County Courthouse Historic District listed 1978 · 67 contributing resources · NRIS 78002902 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
215 S Commerce St, a commercial property, is owned by two individuals.
Source: Caldwell County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 355 OLD LULING RD, LOCKHART, TX 78644-3996 |
| Owner Type | Individual |
| Vesting | Doing Business As (DBA) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALDWELL TX |
| Property Address | 215 S COMMERCE ST, LOCKHART, TX 78644-2736 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CORRLDOR TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2018000146 |
|---|---|
| Date | Jan 10, 2018 |
| Instrument | 2018-000146 |
| Name | CAPITALSOURCE |
|---|---|
| Type | Non-Lending Institution |
| Address | CHEVY CHASE, MD 20815 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 215 S Commerce St was $6,415.
Source: Caldwell County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Caldwell County |
| Municipality | Lockhart City |
| Unified School District | Lockhart Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,415.00 | $310,896 (+2%) | $325,890 (+25.79%) Land $106,520 Building $219,370 |
| 2025 | $259,080 Land $77,240 Building $181,840 | $259,080 Land $77,240 Building $181,840 | |
| 2024 | $4,788.00 (+2.13%) | ||
| 2023 | $4,688.00 (-8.28%) | $235,580 Land $51,490 Building $184,090 | $235,580 Land $51,490 Building $184,090 |
| 2022 | $5,111.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 215 S Commerce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 Policies | 1 in force |
| Nearby Flood Claims | 2 (1998–2025) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2025 · 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 risk around 215 S Commerce St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LOCKHART serves 18,800 people · EPA ID TX0280001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Rise Broadband Fiber | 1,000 / 200 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, Spry Air Fiber, T-Mobile, Verizon, VTX Communications.
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