Brown County property record for 409 E Commerce St, Brownwood, TX 76801 · Last verified December 2025
| Property Type | Commercial |
|---|---|
| Details | 2 ba · 2,592 sqft |
| Lot Size | 0.464 acres (20,212 sqft) |
| Owner | Company Name on File |
| Tax Bill | $7,532 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit Jun 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | A0405-0008-00 |
| Primary APN | A0405-0008-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,592 sqft Total Area |
| Gross Area | 11,300 sqft |
| 1st Floor Area | 2,592 sqft |
| Exterior Material | Wood |
|---|---|
| Lot Area | 20,212 sqft (0.464 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | A0405-0008-00 |
|---|---|
| Street Address | 409 E COMMERCE ST |
| City | BROWNWOOD |
| State | TX |
| Zip | 76801-1821 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | MARCUS HULING, SURVEY 51, ABSTRACT 405, ACRES .464 |
| Legal Subdivision | MARCUS HULING SURVEY 51 ABSTRACT |
| Jurisdiction | BROWN TX |
| Township / Civil Division | BROWNWOOD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950700 |
Source: Brown County records · APN A0405-0008-00
Assessment roll updated September 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1900 COGGIN AVE, BROWNWOOD, TX 76801-4729 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Feb 08, 2018 | Deed of Trust, Mortgage · Line of Credit TEXAS BK/GARLAND |
| Jun 22, 2017 | Deed of Trust, Mortgage FIRST FIN'L BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 12, 2023 |
| Deed Sale | Jun 12, 2023 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BROWN TX |
| Property Address | 409 E COMMERCE ST, BROWNWOOD, TX 76801-1821 |
| Document Number | 0000000948 |
| Instrument Date | Feb 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1280 COUNTY ROAD 135 BROWNWOOD TX 768019142, BROWNWOOD, TX 76801-9142 |
| Document Number | 0000000948 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 948 |
| Name | TEXAS BK/GARLAND |
|---|---|
| Type | Bank |
| Address | BROWNWOOD, TX 76804 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BROWN TX |
| Property Address | 409 E COMMERCE ST, BROWNWOOD, TX 76801-1821 |
| Document Number | 0000003747 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0000003747 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 3747 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | ABILENE, TX 79604 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jun 25, 2027 |
Source: Brown County records · Assessment roll updated September 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Brown County |
| Municipality | Brownwood City |
| Unified School District | Brownwood Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,532.00 (+6.34%) | $352,930 (-0.27%) Land $202,120 Building $150,810 | $352,930 (-0.27%) Land $202,120 Building $150,810 |
| 2023 | $353,880 Land $202,120 Building $151,760 | $353,880 Land $202,120 Building $151,760 | |
| 2022 | $7,083.00 |
Source: FEMA National Flood Hazard Layer, Brown County (48049C), updated August 27, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480499507002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 42 individual NFIP policies nearby |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 63 (1989–2016) |
| Claims Outside the SFHA | 2 of 63 |
| Most Recent Claim | Jun 2016, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 62% of the US · above 47% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 752 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 32 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Radiate Holdings | Fiber | 1,500 / 1,500 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AMG Technology Investment Group, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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