406 Commerce St, Ladonia, TX 75449 Property Records

Fannin County property record for 406 Commerce St, Ladonia, TX 75449

Property Summary

Property Type	Single Family Home
Details	1 ba · 516 sqft · built 2021
Lot Size	0.333 acres (14,514 sqft)
Owner	Individual Name on Record
Tax Bill	$1,159 (2024)
Deeds & Mortgages	May 2018 Sale
Flood Zone	Zone A (high risk)
APN	`9055-096-0020-08`

Property Details

APN / Parcel Number

Primary APN	`9055-096-0020-08`
Alternative APN	`89840`

Interior

Full Baths	1 Bath
Building Area	516 sqft Living Area
1st Floor Area	913 sqft
Flooring	Combination, Other

Exterior

Year Built	Built 2021
Exterior Material	Wood
Construction Type	Wood Frame
Lot Area	14,514 sqft (0.333 acres)
Lot Dimensions	183 ft deep x 79 ft wide
Porch	Porch
Porch Area	129 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	9055-096-0020-08
Old Parcel Number	89840
Street Address	406 COMMERCE ST
City	LADONIA
State	TX
Zip	75449-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF LADONIA, BLOCK 96, ACRES .3332
Legal Subdivision	ORIGINAL TOWN OF LADONIA
Legal Block	96
Jurisdiction	FANNIN TX
Township / Civil Division	LADONIA
Census Block Group	3
Census Block	3070
Census Tract	950500

Owner

Source: Fannin County records, as of January 5, 2026

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
Co-owner	Co-owner on Record
Mailing Address	304 COMMERCE ST, LADONIA, TX 75449-1404
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018
Deed Sale	May 16, 2018
Deed Document Number	0002042550
Deed Book / Page	2042 / 550
Record Updated	Jun 8, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FANNIN TX
Recording Date	May 16, 2018
Property Address	406 COMMERCE ST, LADONIA, TX 75449-1406
Document Number	02042/0550
Book / Page	2042 / 0550
Instrument Date	May 16, 2018
Instrument	2018-2832
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	FANNIN COUNTY TITLE COMPANY, FANNIN COUNTY TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 COMMERCE ST, LADONIA, TX 75449-1405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 COMMERCE ST, LADONIA, TX 75449-1404
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Fannin County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Fannin County
Municipality	Ladonia Town
Unified School District	Fannindel Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$62,040 (+19.15%) Land $20,180 Building $41,860	$62,040 (+19.15%) Land $20,180 Building $41,860
2024	$1,159.00 (+1,555.71%)
2023		$52,070 Land $13,640 Building $38,430	$52,070 Land $13,640 Building $38,430
2018	$70.00

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 16, 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · lower than 83% of Texas
Wildfire Likelihood	0.07% 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 LADONIA serves 597 people · EPA ID TX0740004
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	60 / 6
Rise Broadband Fixed Wireless	25 / 5

May also be available: AT&T, Zulu Internet.

Nearby Properties on Commerce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures