400 W Commerce, West, TX 76691 Property Records

McLennan County property record for 400 W Commerce, West, TX 76691

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,818 sqft · built 1930
Lot Size	0.351 acres (15,290 sqft)
Owner	2 Individual Names on Record
Tax Bill	$891 (2024)
Deeds & Mortgages	Mar 2019 Mortgage Mar 2018 Loan Modification + 4 more
Flood Zone	Zone X (minimal risk)
APN	`500035000049000`

Property Details

APN / Parcel Number

Primary APN	`500035000049000`
Alternative APNs	`5000350000490000111` `200687`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,818 sqft Living Area
1st Floor Area	1,818 sqft

Exterior

Year Built	Built 1930
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	15,290 sqft (0.351 acres)
Lot Dimensions	69 ft deep x 203 ft wide
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	42 sqft
Shed	1 Shed
Shed Area	112 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	200687
Old Parcel Number	5000350000490000111
Street Address	400 W COMMERCE
City	WEST
State	TX
Zip	76691-0015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LEROY LOT 1 2 3 4 & .074 AC OF AB W 4TH ST BLOCK 16 ACRES .351
Legal Subdivision	LEROY
Legal Block	16
Legal Lot Number	1-4 2
Jurisdiction	MCLENNAN TX
Township / Civil Division	AXTELL
Census Block Group	1
Census Block	1045
Census Tract	3500

Owner

Source: McLennan County records, as of October 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	400 W COMMERCE, WEST, TX 76691-0015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL NATIONAL BANK
Mar 23, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK
Mar 8, 2018	Loan Modification, Mortgage CENTRAL NAT'L BK
Sep 23, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK
Sep 23, 2017	Loan Modification, Mortgage CENTRAL NAT'L BK
Sep 22, 2017	Trustee's Deed, Construction Loan · Construction Mortgage CENTRAL NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2014
Deed Sale	Dec 29, 2014
Prior Sale	Mar 5, 2008
Deed Document Number	2014038422
Record Updated	Jun 7, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	400 W COMMERCE, WEST, TX 76691-0015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010060
Date	Mar 26, 2019
Instrument	2019010060

Lender

Name	CENTRAL NATIONAL BANK
Type	Subprime Lender
Address	WOODWAY, TX 76712

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	400 W COMMERCE, WEST, TX 76691-0015
Document Number	0000016982
Instrument Date	Mar 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 W COMMERCE LEROY TX 76654, LEROY, TX 76654

Mortgage

Document Number	0000016982
Date	May 23, 2018
Instrument	16982

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded
Term	12 Months
Due	May 22, 2019

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	400 W COMMERCE, WEST, TX 76691-0015
Document Number	0000016981
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 W COMMERCE WEST TX 766910015, WEST, TX 76691-0015

Mortgage

Document Number	0000016981
Date	May 23, 2018
Instrument	16981

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	400 W COMMERCE, WEST, TX 76691-0015
Document Number	0000038739
Instrument Date	Sep 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 W COMMERCE LEROY TX 76654, LEROY, TX 76654

Mortgage

Document Number	0000038739
Date	Nov 22, 2017
Instrument	38739

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 21, 2018

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCLENNAN TX
Property Address	400 W COMMERCE, WEST, TX 76691-0015
Document Number	0000038738
Instrument Date	Sep 23, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 W COMMERCE LEROY TX 76654, LEROY, TX 76654

Mortgage

Document Number	0000038738
Date	Nov 22, 2017
Instrument	38738

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 21, 2018

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCLENNAN TX
Recording Date	Sep 22, 2017
Property Address	400 W COMMERCE, WEST, TX 76691-0015
Instrument Date	Sep 8, 2017
Instrument	31403
Transaction Type	Construction Loan
Record Updated	Oct 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 W COMMERCE LEROY TX 76654, LEROY, TX 76654

Mortgage

Document Number	0000031403
Date	Sep 22, 2017
Instrument	31403

Lender

Name	CENTRAL NAT'L BK
Type	Bank
Address	WACO, TX 76712

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: McLennan County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Leroy City
Unified School District	West Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$143,760 (+1.08%) Land $7,870 Building $145,520	$153,390 (+7.85%) Land $7,870 Building $145,520
2024	$891.00 (+18.8%)
2023		$142,220 Land $7,870 Building $134,350	$142,220 Land $7,870 Building $134,350
2022	$750.00

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 9, 2026 · 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 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2015 · other causes

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	Low lower than 65% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% 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	LEROY TOURS GERALD WSC serves 1,845 people · EPA ID TX1550027
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20
Central Link Broadband Fixed Wireless	100 / 20

May also be available: AT&T, Rise Broadband, T-Mobile.

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