3814 Pvt Rd 4430, Commerce, TX 75428 Property Records

Hunt County property record for 3814 Pvt Rd 4430, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,020 sqft · built 1976
Lot Size	0.55 acres (23,958 sqft)
Owner	Company Name on Record
Tax Bill	$2,206 (2024)
Deeds & Mortgages	Dec 2024 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0786-0360-0000-30`

Property Details

APN / Parcel Number

Primary APN	`0786-0360-0000-30`
Alternative APNs	`R31422` `31422`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3814 PRIVATE ROAD 4430
City	COMMERCE
State	TX
Zip	75428-6780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0786 MCDANIEL B F,TRACT 36, ACRES .55
Legal Subdivision	MCDANIEL B F
Legal Tract	36
Legal Block	1
Legal Lot Number	36
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1032
Census Tract	960100

Owner

Source: Hunt County records, as of April 17, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 351, ADDISON, TX 75001-3010
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2024	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST
Sep 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST
Oct 23, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	3814 PRIVATE ROAD 4430, COMMERCE, TX 75428-6780
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023552
Date	Dec 9, 2024
Instrument	2024-23552

Lender

Name	GUARANTY BANK & TRUST
Type	Bank
Address	COMMERCE, TX 75429

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 9, 2039

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	3814 PRIVATE ROAD 4430, COMMERCE, TX 75428-6780
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013650
Date	Sep 6, 2018
Instrument	2018-13650

Lender

Name	GUARANTY BANK & TRUST
Type	Bank
Address	COMMERCE, TX 75429

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 4, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Oct 23, 2017
Property Address	3814 PRIVATE ROAD 4430, COMMERCE, TX 75428-6780
Document Number	0000014756
Instrument Date	Oct 20, 2017
Instrument	14756
Transaction Type	Transfer
Record Updated	Nov 24, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5408 WESCOTT LN DALLAS TX 752875414, DALLAS, TX 75287-5414

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of September 10, 2025

Property Jurisdictions

Type	Name
State	Texas
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		$128,740 (+4.57%) Land $41,940 Building $86,800	$128,740 (+4.57%) Land $41,940 Building $86,800
2024	$2,206.00 (-7.66%)
2023		$123,110 Land $30,460 Building $92,650	$123,110 Land $30,460 Building $92,650
2022	$2,389.00

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	1 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Aug 2017 · river or lake flooding

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 71% 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	NORTH HUNT SUD serves 4,836 people · EPA ID TX1160039
Water Source	Purchased surface water from CITY OF COMMERCE
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrite resolved · Oct 2022
Treatment and Procedure	Coliform assessment Sep 2023
Monitoring and Reporting	4 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	400 / 50

May also be available: Nextlink, Verizon.

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