245 Commerce St, Alto, TX 75925 Property Records

Cherokee County property record for 245 Commerce St, Alto, TX 75925

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,020 sqft · built 1972
Lot Size	0.278 acres (12,097 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Nov 2019)
Tax Bill	$1,434 (2026)
Deeds & Mortgages	Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`221210-00030-0011000`

Property Details

APN / Parcel Number

Primary APN	`221210-00030-0011000`
Alternative APN	`220945000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,020 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,097 sqft (0.278 acres)
Garage Type	Attached
Garage Area	280 sqft
Porch	Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	221210-00030-0011000
Street Address	245 COMMERCE ST
City	ALTO
State	TX
Zip	75925-2800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 3 12-13-14 COOPER - CITY OF ALTO
Legal Subdivision	COOPER ADDITION
Legal Block	3
Legal Lot Number	11
Jurisdiction	CHEROKEE TX
Township / Civil Division	ALTO
Census Block Group	2
Census Block	2092
Census Tract	951000

Owner

245 Commerce St is owned and occupied by an individual who bought it in November 2019.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 13, ALTO, TX 75925-0013
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2019 · Amount on File
Deed Sale	Nov 8, 2019 · Amount on File
Prior Sale	Sep 23, 2016 · Amount on File
Deed Document Number	2019685278
Deed Book / Page	2519 / 155
Prior Transfer Date	Nov 5, 2019
Prior Transfer Doc	2519/155
Record Updated	Oct 29, 2026

November 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CHEROKEE TX
Recording Date	Nov 8, 2019
Property Address	245 COMMERCE ST, ALTO, TX 75925-2800
Document Number	2519/155
Book / Page	2519 / 155
Map Reference	CAB A SL 30A
Instrument Date	Nov 5, 2019
Instrument	00685278
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 13, ALTO, TX 75925-0013

Mortgage

Document Number	00685279
Date	Nov 8, 2019
Instrument	00685279

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 6, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 245 Commerce St was $1,434 with a homeowner's exemption, up 314.5% from the year before.

Source: Cherokee County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Alto Town
County	Cherokee County
Unified School District	Alto Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,434.00 (+314.45%) Homeowner's exemption	$100,170 (+25.59%) Land $4,840 Building $95,330	$100,170 (+25.59%) Land $4,840 Building $95,330
2025	$346.00 Homeowner's exemption	$79,760 Land $4,840 Building $74,920	$79,760 Land $4,840 Building $74,920
2023		$69,990 Land $4,840 Building $65,150	$69,990 Land $4,840 Building $65,150
2022	$376.00

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

Flood

FEMA maps place 245 Commerce 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 June 20, 2021 · 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	2 in force
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2002 · river or lake flooding

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 245 Commerce St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect 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 ALTO serves 1,225 people · EPA ID TX0370001
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber, Spectrum, T-Mobile.

Nearby Properties on Commerce St

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