4278 Co Rd 4505, Commerce, TX 75428 Property Records

Hunt County property record for 4278 Co Rd 4505, Commerce, TX 75428

Property Summary

Property Type	Mobile Home
Details	2,016 sqft · built 2004
Lot Size	2.81 acres (122,404 sqft)
Owner	Individual Name on File
Last Sale	$183,500 (Jan 2021)
Tax Bill	$2,353 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1174-0080-0020-30`

Property Details

APN / Parcel Number

Primary APN	`1174-0080-0020-30`
Alternative APNs	`R132357` `132357`

Interior

Stories	1 Story
Building Area	2,016 sqft Gross Area
1st Floor Area	2,016 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Lot Area	122,404 sqft (2.81 acres)

Exterior Amenities

Porch	Open Porch
Deck Area	36 sqft
Shed	1 Shed
Shed Area	168 sqft

Location & Zoning

Street Address	4278 COUNTY ROAD 4505
City	COMMERCE
State	TX
Zip	75428-6600
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	A1174 WOOD J,TRACT 8-2, ACRES 2.81
Legal Subdivision	WOOD J
Legal Tract	8-2
Legal Block	1
Legal Lot Number	8-2
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1034
Census Tract	960100

Owner

4278 Co Rd 4505, a mobile home, is owned and occupied by an individual who bought it in January 2021.

Source: Hunt County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4278 COUNTY ROAD 4505, COMMERCE, TX 75428-6600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 11, 2021	Vendor's Lien, Transfer · FHA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS
Aug 19, 2020	Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Aug 19, 2020
Deed Document Number	2021594
Prior Transfer Date	Aug 10, 2020
Prior Transfer Doc	0000013723
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Recording Date	Jun 24, 2026
Property Address	4278 COUNTY ROAD 4505, COMMERCE, TX 75428-6600
Document Number	0000011541
Instrument Date	Jun 18, 2026
Instrument	202611541
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4278 COUNTY ROAD 4505, COMMERCE, TX 75428-6600

Mortgage

Document Number	0000011541,
Date	Jun 24, 2026
Instrument	202611541

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	296 Months
Due	Feb 1, 2051

Interest

Rate	6.51%
Max Rate	-1%

January 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Jan 11, 2021
Property Address	4278 COUNTY ROAD 4505, COMMERCE, TX 75428-6600
Document Number	0000000594
Instrument Date	Jan 6, 2021
Instrument	2021-00594
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4278 COUNTY ROAD 4505, COMMERCE, TX 75428-6600

Mortgage

Document Number	0000000595
Date	Jan 11, 2021
Instrument	2021-00595

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	HUNT TX
Recording Date	Aug 19, 2020
Property Address	4278 COUNTY ROAD 4505, COMMERCE, TX 75428-6600
Document Number	0000013723
Instrument Date	Aug 4, 2020
Instrument	13723
Transaction Type	Foreclosure
Record Updated	Sep 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Trustee Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4628 SUNDANCE DR PLANO TX 750243855, PLANO, TX 75024-3855

Tax Assessment & Valuation

The 2025 property tax bill for 4278 Co Rd 4505 was $2,353 with a homeowner's exemption, down 21.4% from the year before.

Source: Hunt County assessment roll, as of September 10, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Hunt County
Unified School District	Commerce Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,353.00 (-21.44%) Homeowner's exemption	$229,800 Land $101,780 Building $128,020	$229,800 Land $101,780 Building $128,020
2024	$2,995.00
2023		$231,160 Land $77,470 Building $153,690	$231,160 Land $77,470 Building $153,690
2022	$3,600.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4278 Co Rd 4505 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective May 3, 2024 · 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 (2017)
Most Recent Claim	Aug 2017 · 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

Wildfire risk around 4278 Co Rd 4505 is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 75% of Texas
Wildfire Likelihood	0.08% 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	NORTH HUNT SUD serves 4,836 people · EPA ID TX1160039
Water Source	Purchased surface water from CITY OF COMMERCE
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrite resolved · Oct 2022
Treatment and Procedure	Coliform assessment Sep 2023
Monitoring and Reporting	4 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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