276 Commerce St, Alto, TX 75925 Property Records

Cherokee County property record for 276 Commerce St, Alto, TX 75925

Property Summary

Property Type	Single Family Home
Details	2,340 sqft · built 1950
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on File
Last Sale	$167,613 (Jan 2026)
Tax Bill	$1,285 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`221210-00080-0001000`

Property Details

APN / Parcel Number

Primary APN	`221210-00080-0001000`
Alternative APN	`220971000`

Interior

Building Area	2,340 sqft Living Area
Gross Area	2,490 sqft
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,199 sqft (0.303 acres)

Location & Zoning

Account Number	221210-00080-0001000
Street Address	276 COMMERCE ST
City	ALTO
State	TX
Zip	75925-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 8 COOPER - CITY OF ALTO
Legal Subdivision	COOPER ADD
Legal Block	8
Legal Lot Number	1
Jurisdiction	CHEROKEE TX
Township / Civil Division	ALTO
Census Block Group	2
Census Block	2040
Census Tract	951000

Owner

276 Commerce St is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	276 COMMERCE ST, ALTO, TX 75925-2802
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
Jan 13, 2026	Vendor's Lien, Transfer · FHA Mortgage COMMERCIAL BANK OF TEXAS N A
Dec 4, 2023	Warranty Deed, Transfer
May 20, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on File
Deed Sale	Jan 13, 2026 · Amount on File
Prior Sale	Dec 4, 2023
Deed Document Number	2026746665
Deed Book / Page	2917 / 74
Record Updated	Oct 29, 2026

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CHEROKEE TX
Recording Date	Jan 13, 2026
Property Address	276 COMMERCE ST, ALTO, TX 75925-2802
Document Number	0002917/74
Book / Page	2917 / 74
Map Reference	CAB A SL 30A
Instrument Date	Jan 12, 2026
Instrument	746665
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	CHEROKEE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 COMMERCE ST, ALTO, TX 75925-2802

Mortgage

Document Number	0000746666
Date	Jan 13, 2026
Instrument	746666

Lender

Name	COMMERCIAL BANK OF TEXAS N A
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE TX
Recording Date	Dec 4, 2023
Property Address	276 COMMERCE ST, ALTO, TX 75925-2802
Document Number	002793/536
Book / Page	2793 / 536
Map Reference	CAB A SL 34
Instrument Date	Nov 30, 2023
Instrument	728313
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 COUNTY ROAD 2321, NACOGDOCHES, TX 75961-8727

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE TX
Recording Date	May 20, 2022
Property Address	276 COMMERCE ST, ALTO, TX 75925-2802
Document Number	002699/396
Book / Page	2699 / 396
Map Reference	CAB A SL 34
Instrument Date	May 19, 2022
Instrument	713537
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 JIM ST, ALTO, TX 75925
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 276 Commerce St was $1,285, up 617.9% 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	$1,285.00 (+617.88%)	$212,610 (+481.38%) Land $5,280 Building $207,330	$212,610 (+481.38%) Land $5,280 Building $207,330
2025	$179.00	$36,570 Land $5,280 Building $31,290	$36,570 Land $5,280 Building $31,290
2023		$17,580 Land $5,280 Building $12,300	$17,580 Land $5,280 Building $12,300
2022	$287.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 276 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 276 Commerce St is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 77% of Texas
Wildfire Likelihood	0.09% 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 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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