2703 Charity Rd, Commerce, TX 75428 Property Records

Hunt County property record for 2703 Charity Rd, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 792 sqft · built 1970
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$127,500 (Mar 2021)
Tax Bill	$1,555 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0421-0260-0000-31`

Property Details

APN / Parcel Number

Primary APN	`0421-0260-0000-31`
Alternative APNs	`R26354` `26354`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2703 CHARITY RD
City	COMMERCE
State	TX
Zip	75428-3934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0421 HENSON D,TRACT 26, ACRES .2296
Legal Subdivision	HENSON D
Legal Tract	26
Legal Block	1
Legal Lot Number	26
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1011
Census Tract	960500

Owner

Source: Hunt County records, as of October 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3111 POPLAR ST, GREENVILLE, TX 75402-6645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 10, 2020	Vendor's Lien, Transfer · Conventional Mortgage THE AMERICAN NATIONAL BANK OF TEXAS
Jul 31, 2019	Warranty Deed, Transfer PROFESSIONAL LAND TITLE COMPANY, PROFESSIONAL LAND TITLE CO
Jul 18, 2018	Warranty Deed, Transfer INTERLINC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Prior Sale	Feb 10, 2020 · Amount on Record
Deed Document Number	20214618
Prior Transfer Date	Mar 4, 2021
Prior Transfer Doc	0000004618
Record Updated	Oct 29, 2026

March 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Mar 8, 2021
Property Address	2703 CHARITY RD, COMMERCE, TX 75428-3934
Document Number	0000004618
Instrument Date	Mar 4, 2021
Instrument	2021-04618
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	ORT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2703 CHARITY RD, COMMERCE, TX 75428-3934

Mortgage

Document Number	0000004619
Date	Mar 8, 2021
Instrument	2021-04619

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Feb 10, 2020
Property Address	2703 CHARITY RD, COMMERCE, TX 75428-3934
Document Number	0000002404
Map Reference	DOC 2019-10757
Instrument Date	Feb 6, 2020
Instrument	2020-02404
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2703 CHARITY RD, 2703, COMMERCE, TX 75428-3934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2703 CHARITY RD, COMMERCE, TX 75428-3934

Mortgage

Document Number	0000002405
Date	Feb 10, 2020
Instrument	2020-02405

Lender

Name	THE AMERICAN NATIONAL BANK OF TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Jul 31, 2019
Property Address	2703 CHARITY RD, COMMERCE, TX 75428-3934
Document Number	0000010757
Instrument Date	Jul 26, 2019
Instrument	10757
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	PROFESSIONAL LAND TITLE COMPANY, PROFESSIONAL LAND TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 395 CUMBY TX 754330395, CUMBY, TX 75433-0395

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Jul 18, 2018
Property Address	2703 CHARITY RD, COMMERCE, TX 75428-3934
Document Number	0000010940
Instrument Date	Jul 18, 2018
Instrument	10940
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3002 ABERNATHY ST COMMERCE TX 754283918, COMMERCE, TX 75428-3918

Mortgage

Document Number	10941
Date	Jul 18, 2018
Instrument	10941

Lender

Name	INTERLINC MTG
Type	Mortgage Company
Address	HOUSTON, TX 77064

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

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	$1,555.00 (+5.21%) Homeowner's exemption	$113,450 (+15.95%) Land $42,500 Building $70,950	$113,450 (+15.95%) Land $42,500 Building $70,950
2024	$1,478.00 (-39.38%)
2023		$97,840 Land $29,400 Building $68,440	$97,840 Land $29,400 Building $68,440
2022	$2,438.00

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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