2803 Charity Rd, Commerce, TX 75428 Property Records

Hunt County property record for 2803 Charity Rd, Commerce, TX 75428 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	1,767 sqft · built 1990
Lot Size	0.273 acres (11,935 sqft)
Owner	Individual Name on File
Tax Bill	$1,856 (2024)
Deeds & Mortgages	Apr 2023 Reverse Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3248-0010-0010-31`

Property Details

APN / Parcel Number

Primary APN	`3248-0010-0010-31`
Alternative APN	`R106111`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,767 sqft Living Area
1st Floor Area	1,767 sqft

Exterior

Year Built	Built 1990
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,935 sqft (0.273 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R106111
Street Address	2803 CHARITY RD
City	COMMERCE
State	TX
Zip	75428-3936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3248 GUIDRY ESTATE ADDITION BLK 1 LOT 1 ACRES .274
Legal Subdivision	GUIDRY ESTATE ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1009
Census Tract	960500

Owner

Source: Hunt County records · APN 3248-0010-0010-31

Assessment roll updated July 25, 2025 · Last verified November 2025

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

Owner of Record	Individual Name on File
Mailing Address	2803 CHARITY RD, COMMERCE, TX 75428-3936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2023	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 31, 2020	Reverse Mortgage, Transfer · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Prior Sale	Feb 05, 2016
Last Transfer Date	Jul 31, 2020
Transfer Doc	0000012361
Record Updated	Jun 08, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	2803 CHARITY RD, COMMERCE, TX 75428-3936
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 CHARITY RD, COMMERCE, TX 75428-3936

Mortgage

Document Number	0000006174
Date	Apr 04, 2023
Instrument	2023-06174

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.84%
Adjustable	Adjustable Rate Rider
Type Change Date	May 01, 2023
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.8%

July 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	HUNT TX
Recording Date	Jul 31, 2020
Property Address	2803 CHARITY RD, COMMERCE, TX 75428-3936
Document Number	0000012361
Instrument Date	Jul 17, 2020
Instrument	12361
Transaction Type	Transfer
Record Updated	Sep 01, 2020
Title Company	FNC TITLE LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 CHARITY RD COMMERCE TX 754283936, COMMERCE, TX 75428-3936

Mortgage

Document Number	12362
Date	Jul 31, 2020
Instrument	12362

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	3.78%

Mortgage

Document Number	12363,
Date	Jul 31, 2020
Instrument	12363

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hunt County records · Assessment roll updated July 25, 2025 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$162,740 (+9.47%) Land $45,000 Building $117,740	$162,740 (+9.47%) Land $45,000 Building $117,740
2024	$1,856.00 (-22.02%)
2023		$148,660 Land $34,850 Building $113,810	$148,660 Land $34,850 Building $113,810
2022	$2,380.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hunt County (48231C), updated May 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482319605001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 26% of Texas
Wildfire Likelihood	About 1 in 1,064 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Peoples Telephone Cooperative	Fixed Wireless	500 / 60
360 Communications, Inc. (OK, AR & TX)	Fixed Wireless (licensed-by-rule)	400 / 50
AMG Technology Investment Group	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: Verizon, Brightspeed. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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