302 N Commerce St, Savoy, TX 75479 Property Records

Fannin County property record for 302 N Commerce St, Savoy, TX 75479

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,372 sqft · built 1930
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$175,989 (Mar 2026)
Tax Bill	$1,924 (2025)
Deeds & Mortgages	Apr 2026 Sale Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1149-017-0110-09`

Property Details

APN / Parcel Number

Primary APN	`1149-017-0110-09`
Alternative APN	`85031`

Interior

Full Baths	2 Baths
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Porch	Porch
Porch Area	318 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Account Number	1149-017-0110-09
Street Address	302 N COMMERCE ST
City	SAVOY
State	TX
Zip	75479-2149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A1149 J WEEKS, BLOCK 17, TRACT 11-16, ACRES .25
Legal Subdivision	ORIGINAL TOWN PLAT OF SAVOY
Legal Tract	TRACT 11-1
Legal Block	17
Jurisdiction	FANNIN TX
Township / Civil Division	ECTOR
Census Block Group	1
Census Block	1016
Census Tract	950300

Owner

302 N Commerce St is owned and occupied by two individuals who acquired it in April 2026.

Source: Fannin County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	302 N COMMERCE ST, SAVOY, TX 75479-2149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on File
Deed Sale	Mar 6, 2026 · Amount on File
Deed Document Number	20261371
Last Transfer Date	Apr 7, 2026
Transfer Doc	0000002100
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	Apr 7, 2026
Property Address	302 N COMMERCE ST, SAVOY, TX 75479-2149
Document Number	0000002100
Instrument Date	Apr 7, 2026
Instrument	20262100
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	302 N COMMERCE ST, SAVOY, TX 75479-2149

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FANNIN TX
Property Address	302 N COMMERCE ST, SAVOY, TX 75479
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5111 N TRAVIS ST 116, 116, SHERMAN, TX 75092-4069

Mortgage

Document Number	2026001372
Date	Mar 6, 2026
Instrument	2026001372

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 302 N Commerce St was $1,924, down 2.5% from the year before.

Source: Fannin County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Municipality	Savoy City
Unified School District	Savoy Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,924.00 (-2.53%)	$117,090 Land $32,020 Building $85,070	$117,090 Land $32,020 Building $85,070
2024	$1,974.00
2023		$119,990 Land $26,680 Building $93,310	$119,990 Land $26,680 Building $93,310
2018	$1,931.00

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

Flood

FEMA maps place 302 N Commerce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 16, 2026

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 302 N Commerce St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 SAVOY serves 868 people · EPA ID TX0740006
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
TekWav Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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