Cherokee County property record for 398 Commerce St, Alto, TX 75925
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 4 ba · 4,651 sqft · built 1930 |
| Lot Size | 1.59 acres (69,260 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,043 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 121000-00220-0005000 |
| Primary APN | 121000-00220-0005000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 4,651 sqft Living Area |
| Gross Area | 5,260 sqft |
| 1st Floor Area | 1,867 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Mobile Home |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 69,260 sqft (1.59 acres) |
| Porch | Porch |
| Porch Area | 481 sqft |
| Total Buildings | 3 Buildings |
| Account Number | 121000-00220-0005000 |
|---|---|
| Street Address | 398 COMMERCE ST |
| City | ALTO |
| State | TX |
| Zip | 75925-2816 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | LOT 5 BLK 22 ALTONO LABEL #'S |
| Legal Subdivision | JOHN DURST GRANT A 15 |
| Legal Block | 22 |
| Legal Lot Number | 5 |
| Jurisdiction | CHEROKEE TX |
| Township / Civil Division | ALTO |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 951000 |
398 Commerce St, a mobile home, is owned by a company and is owner-occupied.
Source: Cherokee County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 359, ALTO, TX 75925-0359 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 398 Commerce St was $2,043 with exemptions applied, up 1,226.6% from the year before.
Source: Cherokee County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Texas |
| Municipality | Alto Town |
| County | Cherokee County |
| Unified School District | Alto Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,043.00 (+1,226.62%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $112,330 (+1.23%) Land $7,580 Building $104,750 | $112,330 (+1.23%) Land $7,580 Building $104,750 |
| 2025 | $154.00 Homeowner's exemption Senior Citizen's exemption | $110,960 Land $7,580 Building $103,380 | $110,960 Land $7,580 Building $103,380 |
| 2023 | $96,500 Land $7,580 Building $88,920 | $96,500 Land $7,580 Building $88,920 | |
| 2022 | $328.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 Commerce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2002.
Source: FEMA National Flood Hazard Layer, effective June 20, 2021 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2002) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2002 · 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 risk around 398 Commerce St is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 77% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ALTO serves 1,225 people · EPA ID TX0370001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 14 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.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Spectrum, T-Mobile.
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