2701 Charity Rd, Commerce, TX 75428 Property Records

Hunt County property record for 2701 Charity Rd, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,390 sqft · built 1968
Lot Size	0.458 acres (19,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$241,817 (Jul 2024)
Tax Bill	$3,307 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0421-0220-0000-31`

Property Details

APN / Parcel Number

Primary APN	`0421-0220-0000-31`
Alternative APNs	`R26352` `26352`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,390 sqft Living Area
1st Floor Area	1,390 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,950 sqft (0.458 acres)
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2701 CHARITY RD
City	COMMERCE
State	TX
Zip	75428-3934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0421 HENSON D,TRACT 22, ACRES .458
Legal Subdivision	HENSON D
Legal Tract	22
Legal Block	1
Legal Lot Number	22
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1011
Census Tract	960500

Owner

Source: Hunt County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2701 CHARITY RD, COMMERCE, TX 75428-3934
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Vendor's Lien, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 4, 2022	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Jan 4, 2023 · Amount on Record
Deed Document Number	202412388
Record Updated	Sep 20, 2026

January 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Jan 4, 2023
Property Address	2701 CHARITY RD, COMMERCE, TX 75428-3934
Document Number	0000000170
Map Reference	VOL 591 PG 296
Instrument Date	Jan 3, 2023
Instrument	2023-00170
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	NOT AVAILABLE, MONEY LAW & TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	153 CR 25, COMMERCE, TX 75428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2701 CHARITY RD, COMMERCE, TX 75428-3934

Mortgage

Document Number	0000000171
Date	Jan 4, 2023
Instrument	2023-00171

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	2701 CHARITY RD, COMMERCE, TX 75428-3934
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010536
Date	May 4, 2022
Instrument	2022-10536

Lender

Name	GUARANTY BANK & TRUST NA
Type	Bank
Address	SULPHUR SPRINGS, TX 75482

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 3, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,307.00 (-9.42%)	$193,210 (+54.04%) Land $62,840 Building $130,370	$193,210 (+54.04%) Land $62,840 Building $130,370
2024	$3,651.00 (+176.8%)
2023		$125,430 Land $50,670 Building $74,760	$125,430 Land $50,670 Building $74,760
2022	$1,319.00

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

Flood

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

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

Wildfire Risk	Moderate above 46% of the US · lower than 80% of Texas
Wildfire Likelihood	0.08% 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	400 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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