Hunt County property record for 4344 Co Rd 4509, Commerce, TX 75428
| Property Type | Rural Home |
|---|---|
| Details | 2,826 sqft · built 2015 |
| Lot Size | 17.6 acres (767,048 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,036 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0221-0120-0040-30 |
| Primary APN | 0221-0120-0040-30 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,826 sqft Living Area |
| Gross Area | 6,844 sqft |
| 1st Floor Area | 2,826 sqft |
| Year Built | Built 2015 |
|---|---|
| Lot Area | 767,048 sqft (17.6 acres) |
| Garage Type | Attached |
| Garage Area | 596 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 712 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Account Number | R98376 |
|---|---|
| Street Address | 4344 COUNTY ROAD 4509 |
| City | COMMERCE |
| State | TX |
| Zip | 75428-5244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | A0221 CARDER W J,TRACT 12-4, ACRES 17.609 |
| Legal Subdivision | CARDER W J |
| Legal Tract | 12-4 |
| Jurisdiction | HUNT TX |
| Township / Civil Division | COMMERCE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 960100 |
Source: Hunt County records · APN 0221-0120-0040-30
Assessment roll updated July 25, 2025 · Last verified November 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 File |
|---|---|
| Mailing Address | 4344 COUNTY ROAD 4509, COMMERCE, TX 75428-5244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2021 | Intrafamily Transfer, Transfer · VA Mortgage GUILD MORTGAGE CO |
| Mar 19, 2020 | Deed of Trust, Mortgage · VA Mortgage GUILD MTG |
| Oct 10, 2019 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Apr 09, 2021 |
| Transfer Doc | 0000007402 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HUNT TX |
| Recording Date | Apr 09, 2021 |
| Property Address | 4344 COUNTY ROAD 4509, COMMERCE, TX 75428-5244 |
| Document Number | 0000007402 |
| Instrument Date | Apr 03, 2021 |
| Instrument | 2021-07402 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4344 COUNTY ROAD 4509, COMMERCE, TX 75428-5244 |
| Document Number | 0000007403 |
|---|---|
| Date | Apr 09, 2021 |
| Instrument | 2021-07403 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUNT TX |
| Property Address | 4344 COUNTY ROAD 4509, COMMERCE, TX 75428-5244 |
| Document Number | 0000004976 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 4344 COUNTY ROAD 4509 COMMERCE TX 754285244, COMMERCE, TX 75428-5244 |
| Document Number | 0000004976 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 4976 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUNT TX |
| Property Address | 4344 COUNTY ROAD 4509, COMMERCE, TX 75428-5244 |
| Document Number | 0000015951 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4344 COUNTY ROAD 4509 COMMERCE TX 754285244, COMMERCE, TX 75428-5244 |
| Document Number | 0000015951 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 15951 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Hunt County records · Assessment roll updated July 25, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Hunt County |
| Unified School District | Commerce 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 | $441,040 (-2.23%) Land $13,350 Building $427,690 | $626,670 (-3.34%) Land $198,980 Building $427,690 | |
| 2024 | $6,036.00 (-13.89%) | ||
| 2023 | $451,100 Land $13,690 Building $437,410 | $648,340 Land $210,930 Building $437,410 | |
| 2022 | $7,010.00 |
Source: FEMA National Flood Hazard Layer as of May 3, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 53% of the US · lower than 69% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Peoples Telephone Cooperative Fixed Wireless | 500 / 60 |
| 360 Communications, Inc. (OK, AR & TX) Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AMG Technology Investment Group Fixed Wireless | 100 / 20 |
| JAB Wireless Fixed Wireless | 25 / 5 |
| T-Mobile USA Fixed Wireless | 25 / 3 |
Based on FCC filings for 7 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH HUNT SUD serves 4,836 people |
|---|---|
| Water Source | Purchased surface water from CITY OF COMMERCE |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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