3028 Choctaw Rd, Commerce, TX 75428 Property Records

Hunt County property record for 3028 Choctaw Rd, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1,988 sqft · built 1970
Lot Size	0.312 acres (13,591 sqft)
Owner	Individual Name on Record
Tax Bill	$5,094 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3615-0000-0260-31`

Property Details

APN / Parcel Number

Primary APN	`3615-0000-0260-31`
Alternative APN	`R47843`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,988 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,988 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,591 sqft (0.312 acres)
Lot Dimensions	128 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R47843
Street Address	3028 CHOCTAW RD
City	COMMERCE
State	TX
Zip	75428-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S3615 INDIAN CREEK ADDITION #1 LOT 26 & PT OF 25 ACRES .312
Legal Subdivision	INDIAN CREEK ADDITION #1
Legal Lot Number	26
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1009
Census Tract	960500

Owner

Source: Hunt County records, as of October 23, 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 Record
Mailing Address	3028 CHOCTAW RD, COMMERCE, TX 75428-3904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Jul 2, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2008
Deed Sale	Aug 4, 2008
Prior Sale	May 17, 2006
Deed Document Number	11990
Deed Book / Page	1781 / 325
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	3028 CHOCTAW RD, COMMERCE, TX 75428-3904
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027651
Date	Dec 8, 2021
Instrument	2021-27651

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	3028 CHOCTAW RD, COMMERCE, TX 75428-3904
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014209
Date	Jul 2, 2021
Instrument	2021-14209

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	205 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of July 25, 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		$197,450 (+10.38%) Land $45,520 Building $151,930	$197,450 (+10.38%) Land $45,520 Building $151,930
2024	$5,094.00 (+11.88%)
2023		$178,890 Land $39,410 Building $139,480	$178,890 Land $39,410 Building $139,480
2022	$4,553.00

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 May 3, 2024 · 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	6 in force

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

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

Wildfire Risk	Moderate above 52% of the US · lower than 72% of Texas
Wildfire Likelihood	0.1% 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 59 locations within half a mile, as of December 31, 2025

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

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