2628 Charity Rd, Commerce, TX 75428 Property Records

Hunt County property record for 2628 Charity Rd, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1,920 sqft · built 1975
Lot Size	0.964 acres (41,992 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,891 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5605-0000-0050-31`

Property Details

APN / Parcel Number

Primary APN	`5605-0000-0050-31`
Alternative APN	`R90260`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,820 sqft
1st Floor Area	1,920 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Brick
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	41,992 sqft (0.964 acres)
Lot Dimensions	305 ft deep x 138 ft wide
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	495 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R90260
Street Address	2628 CHARITY RD
City	COMMERCE
State	TX
Zip	75428-3931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S5605 WINDY ESTATE ADDITION LOT 5 ACRES .964
Legal Subdivision	WINDY ESTATE ADDITION
Legal Lot Number	5
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1012
Census Tract	960500

Owner

2628 Charity Rd is owned and occupied by two individuals who acquired it in September 2019.

Source: Hunt County records, as of October 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2628 CHARITY RD, COMMERCE, TX 75428-3931
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
Dec 1, 2025	Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 12, 2019	Deed of Trust, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019
Deed Sale	Sep 12, 2019
Deed Document Number	2019-13489
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	2628 CHARITY RD, COMMERCE, TX 75428-3931
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	UNKNOWN, MONEY LAW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3625 BENT OAK ST E, GREENVILLE, TX 75401-6703

Mortgage

Document Number	0000022111
Date	Dec 1, 2025
Instrument	2025-22111

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

September 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	2628 CHARITY RD, COMMERCE, TX 75428-3931
Document Number	0000013490
Instrument Date	Sep 12, 2019
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2628 CHARITY RD COMMERCE TX 754283931, COMMERCE, TX 75428-3931

Mortgage

Document Number	0000013490
Date	Sep 12, 2019
Instrument	13490

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2049

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of July 25, 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		$304,967 Land $117,580 Building $215,960	$333,540 Land $117,580 Building $215,960
2024	$5,891.00
2023		$301,310 Land $102,880 Building $198,430	$301,310 Land $102,880 Building $198,430
2022	$5,797.00

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

Flood

FEMA maps place 2628 Charity Rd in Zone X, an area of minimal flood risk.

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 Policies	6 in force

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 2628 Charity Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.07% 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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	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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