2804 Bois D Arc St, Commerce, TX 75428 Property Records

Hunt County property record for 2804 Bois D Arc St, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,223 sqft · built 1980
Lot Size	0.302 acres (13,167 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,111 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification Dec 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3600-0010-0090-31`

Property Details

APN / Parcel Number

Primary APN	`3600-0010-0090-31`
Alternative APNs	`R47772` `47772`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,223 sqft Living Area
1st Floor Area	2,223 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,167 sqft (0.302 acres)
Lot Dimensions	146 ft deep x 90 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2804 BOIS D ARC ST
City	COMMERCE
State	TX
Zip	75428-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3600 HY-LANN TERRACE SEC 1 BLK 1 LOT 9 ACRES .3023
Legal Subdivision	HY-LANN TERRACE SEC 1
Legal Block	1
Legal Lot Number	9
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1073
Census Tract	960600

Owner

2804 Bois D Arc St, a single family home, is owned by two individuals.

Source: Hunt County records, as of July 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 231, COMMERCE, TX 75429-0231
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Loan Modification, Mortgage CYPRESS BK SSB
Dec 20, 2019	Loan Modification, Mortgage CYPRESS BK SSB
Nov 2, 2018	Loan Modification, Mortgage CYPRESS BK FSB
Nov 3, 2017	Loan Modification, Mortgage CYPRESS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HUNT TX
Property Address	2804 BOIS D ARC ST, COMMERCE, TX 75428-3704
Document Number	0000011157
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 231 COMMERCE TX 754290231, COMMERCE, TX 75429-0231

Mortgage

Document Number	0000011157
Date	Jul 14, 2020
Instrument	11157

Lender

Name	CYPRESS BK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jul 13, 2021

Interest

Rate	3.75%

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HUNT TX
Property Address	2804 BOIS D ARC ST, COMMERCE, TX 75428-3704
Document Number	0000004167
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2341 COMMERCE TX 75429, COMMERCE, TX 75429

Mortgage

Document Number	0000004167
Date	Mar 10, 2020
Instrument	4167

Lender

Name	CYPRESS BK SSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 9, 2021

Interest

Rate	4.5%

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HUNT TX
Property Address	2804 BOIS D ARC ST, COMMERCE, TX 75428-3704
Document Number	0000018356
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2804 BOIS D ARC ST COMMERCE TX 754283704, COMMERCE, TX 75428-3704

Mortgage

Document Number	0000018356
Date	Dec 12, 2018
Instrument	18356

Lender

Name	CYPRESS BK FSB
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 11, 2019

Interest

Rate	4.53%

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HUNT TX
Property Address	2804 BOIS D ARC ST, COMMERCE, TX 75428-3704
Document Number	0000016874
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2804 BOIS D ARC ST COMMERCE TX 754283704, COMMERCE, TX 75428-3704

Mortgage

Document Number	0000016874
Date	Dec 6, 2017
Instrument	16874

Lender

Name	CYPRESS BK
Type	Bank
Address	PITTSBURG, TX 75686

Agreement

Amount	Amount on Record

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 2804 Bois D Arc St was $6,111, down 1.6% from the year before.

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	$6,111.00 (-1.61%)	$234,270 Land $45,560 Building $188,710	$234,270 Land $45,560 Building $188,710
2024	$6,211.00
2023		$224,570 Land $38,320 Building $186,250	$224,570 Land $38,320 Building $186,250
2022	$5,923.00

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

Flood

FEMA maps place 2804 Bois D Arc St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 3, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2804 Bois D Arc St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
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: Verizon.

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