301 Commerce St, Ladonia, TX 75449 Property Records

Fannin County property record for 301 Commerce St, Ladonia, TX 75449

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,320 sqft · built 1920
Lot Size	4.77 acres (207,825 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,914 (2024)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone A (high risk)
APN	`9055-099-0020-08`

Property Details

APN / Parcel Number

Primary APN	`9055-099-0020-08`
Alternative APN	`89856`

Interior

Full Baths	2 Baths
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 1920
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	207,825 sqft (4.77 acres)
Porch	Porch
Porch Area	350 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	9055-099-0020-08
Old Parcel Number	89856
Street Address	301 COMMERCE ST
City	LADONIA
State	TX
Zip	75449-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF LADONIA, BLOCK 99, RAILROAD RIGHT OF WAY, ACRES 4.771
Legal Subdivision	ORIGINAL TOWN OF LADONIA
Legal Block	99
Jurisdiction	FANNIN TX
Township / Civil Division	LADONIA
Census Block Group	3
Census Block	3074
Census Tract	950500

Owner

Source: Fannin County records, as of November 17, 2025

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	301 COMMERCE ST, LADONIA, TX 75449-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022
Deed Sale	Dec 5, 2022
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	301 COMMERCE ST, LADONIA, TX 75449-1405
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022009296
Date	Dec 7, 2022
Instrument	2022009296

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Municipality	Ladonia Town
Unified School District	Fannindel Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$135,310 (+5.7%) Land $66,220 Building $69,090	$135,310 (+5.7%) Land $66,220 Building $69,090
2024	$1,914.00 (+119.5%)
2023		$128,010 Land $41,470 Building $86,540	$128,010 Land $41,470 Building $86,540
2018	$872.00

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 June 16, 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% 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 LADONIA serves 597 people · EPA ID TX0740004
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	60 / 6
Rise Broadband Fixed Wireless	25 / 5

May also be available: AT&T, Zulu Internet.

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