2326 Commerce St, Houston, TX 77003 Property Records

Harris County property record for 2326 Commerce St, Houston, TX 77003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,086 sqft · built 2016
Lot Size	0.033 acres (1,450 sqft)
Owner	Individual Name on File
Last Sale	$483,787 (Jun 2026)
Tax Bill	$6,327 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128-551-002-0059`

Property Details

APN / Parcel Number

Primary APN	`128-551-002-0059`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,086 sqft Living Area
1st Floor Area	844 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	1,450 sqft (0.033 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	118 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1285510020059
Street Address	2326 COMMERCE ST
City	HOUSTON
State	TX
Zip	77003-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 59 BLK 2 WATERHILL HOMES ON COMMERCE STREET
Legal Subdivision	WATERHILL HOMES ON COMMERCE STREET
Legal Block	2
Legal Lot Number	59
Jurisdiction	HARRIS TX
Township / Civil Division	HOUSTON
Census Block Group	2
Census Block	2044
Census Tract	310101

Owner

2326 Commerce St is owned and occupied by an individual who bought it in June 2026.

Source: Harris County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	2326 COMMERCE ST, HOUSTON, TX 77003-1537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Oct 14, 2016 · Amount on File
Deed Document Number	2026259691
Prior Transfer Date	Jun 22, 2026
Prior Transfer Doc	0000259691
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRIS TX
Recording Date	Jun 30, 2026
Property Address	2326 COMMERCE ST, HOUSTON, TX 77003-1537
Document Number	0000259691
Instrument Date	Jun 22, 2026
Instrument	2026259691
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2326 COMMERCE ST, HOUSTON, TX 77003-1537

Mortgage

Document Number	0000259692,
Date	Jun 30, 2026
Instrument	2026259692

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	405 Months
Due	Mar 1, 2060

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2326 Commerce St was $6,327, down 3.7% from the year before.

Source: Harris County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Harris County
Municipality	Houston City
Unified School District	Houston Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$443,707 (-) Land $70,250 Building $373,457	$443,707 (-) Land $70,250 Building $373,457
2025	$6,327.00 (-3.71%) Homeowner's exemption	$443,707 Land $70,250 Building $373,457	$443,707 Land $70,250 Building $373,457
2024	$6,571.00
2023		$443,707 Land $70,250 Building $373,457	$443,707 Land $70,250 Building $373,457
2022	$6,089.00
2020	$6,818.00

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

Flood

FEMA maps place 2326 Commerce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective May 17, 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
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2017 · Hurricane Harvey

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

The area around 2326 Commerce St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 HOUSTON serves 2,970,543 people · EPA ID TX1010013
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · May 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 459 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20