408 Commerce St, Kemp, TX 75143 Property Records

Kaufman County property record for 408 Commerce St, Kemp, TX 75143

Property Summary

Property Type	Mobile Home
Details	2,058 sqft · built 1998
Lot Size	0.848 acres (36,982 sqft)
Owner	Individual Name on Record
Last Sale	$135,009 (Aug 2018)
Tax Bill	$1,126 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S1725000400`

Property Details

APN / Parcel Number

Primary APN	`S1725000400`
Alternative APNs	`00.1725.0001.0000.01.04.04` `R27135`

Interior

Stories	1 Story
Building Area	2,058 sqft Living Area
1st Floor Area	2,058 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Architectural Style	Mobile/Manufactured
Roof Material	Composition Shingle
Lot Area	36,982 sqft (0.848 acres)
Porch	Covered Porch
Storage Building	288 sqft

Location & Zoning

Account Number	R27135
Old Parcel Number	S1725000400
Street Address	408 COMMERCE ST
City	KEMP
State	TX
Zip	75143-3016
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	& HOUSE
Legal Subdivision	HUDMAN
Legal Block	1
Jurisdiction	KAUFMAN TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	3
Census Block	3062
Census Tract	51301

Owner

Source: Kaufman County records, as of October 31, 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	408 COMMERCE ST, KEMP, TX 75143-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 3, 2018	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Feb 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2018 · Amount on Record
Deed Sale	Aug 3, 2018 · Amount on Record
Prior Sale	Feb 12, 2018
Deed Document Number	2018-0019246
Deed Book / Page	5761 / 080
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	408 COMMERCE ST, KEMP, TX 75143-3016
Transaction Type	Mortgage
Record Updated	Nov 28, 2022
Title Company	KAUFMAN CNTY TTL & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073380083
Date	Nov 23, 2021
Book Page	7338/83
Instrument	2021-0048317

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	KAUFMAN TX
Recording Date	Aug 3, 2018
Property Address	408 COMMERCE ST, KEMP, TX 75143-3016
Document Number	0057610080
Book / Page	5761 / 080
Map Reference	VOL 5586 PG 105
Instrument Date	Aug 2, 2018
Instrument	2018-0019246
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	RELIANT TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10288 COUNTY ROAD 4090, 10288, SCURRY, TX 75158-3106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 OLD HIGHWAY 40, 40, KEMP, TX 75143

Mortgage

Document Number	20180019247
Date	Aug 3, 2018
Instrument	2018-0019247

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Feb 12, 2018
Property Address	408 COMMERCE ST, KEMP, TX 75143-3016
Document Number	0055860109
Book / Page	005586 / 000109
Instrument Date	Feb 7, 2018
Instrument	3341
Transaction Type	Transfer
Record Updated	Feb 19, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10288 COUNTY ROAD 4090 SCURRY TX 751583106, SCURRY, TX 75158-3106

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Kaufman County
Municipality	Kemp City
Unified School District	Kemp Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$98,745 (-59.97%) Land $73,964 Building $130,992	$204,956 (-16.91%) Land $73,964 Building $130,992
2024	$1,126.00 (+41.46%)
2023	$796.00 (-47.6%) Homeowner's exemption	$246,657 Land $73,964 Building $172,693	$246,657 Land $73,964 Building $172,693
2022	$1,519.00

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 October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	Low lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 KEMP serves 1,283 people · EPA ID TX1290004
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Feb 2021 E. coli not recorded as resolved · Jul 2018
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Wi-Five Broadband Fixed Wireless	100 / 100

May also be available: Fidium Fiber, Nextlink, T-Mobile, Verizon.

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