445 Oak Ln, Commerce, TX 75428 Property Records

Hunt County property record for 445 Oak Ln, Commerce, TX 75428 · Last verified November 2025

Property Highlights

Property Type	Residential > Single Family > Rural Home
Year Built	Built 2024
Square Footage	1,428 sqft Living Area
Lot Size	26,659 sqft (0.612 acres)
Garage	Attached, 506 sqft
Occupancy	Owner Occupied
Tax Bill	$945.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`0350-0200-0010-31`
Alternative APN	`R98567`

Interior

Building Area	1,428 sqft Living Area
Gross Area	2,286 sqft Gross Area
1st Floor	1,428 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 2024
Exterior Material	Wood Exterior
Construction Type	Frame Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Material	Composition Shingle Roof
Lot Area	26,659 sqft (0.612 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	506 sqft Garage
Porch	Open Porch
Porch Area	136 sqft Porch

Utilities and HVAC

Cooling System	Window A/C Cooling

Location & Zoning

Account Number	R98567
Street Address	445 OAK LN
City	COMMERCE
State	TX
Zip	75428-3641
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Description	A0350 GARNER D,TRACT 20-1, ACRES .612
Legal Subdivision	GARNER D
Legal Tract	20-1
Jurisdiction	HUNT TX
Minor Civil Division	COMMERCE
Census Blockgroup	1
Census Block	1000
Census Tract	960500

Owner

Source: Hunt County records · APN 0350-0200-0010-31

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	445 OAK LN, COMMERCE, TX 75428-3641
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2022
Deed Sale	Jun 21, 2022
Deed Doc Number	2022-14388
Record Refreshed	Jun 08, 2026

June 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	HUNT TX
Recording Date	Jun 21, 2022
Property Address	445 OAK LN, COMMERCE, TX 75428-3641
Document Number	0000014388
Instrument Date	Jun 17, 2022
Instrument	2022-14388
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5186 COUNTY ROAD 4404, 5186, COMMERCE, TX 75428-6454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 OAK LN, COMMERCE, TX 75428-3641

Tax Assessment & Valuation

Source: Hunt County records · Assessment roll updated July 25, 2025 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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		$100,470 (-11.69%) Land $49,340 Building $51,130	$100,470 (-11.69%) Land $49,340 Building $51,130
2024	$945.00 (-64.82%)
2023		$113,770 Land $43,410 Building $70,360	$113,770 Land $43,410 Building $70,360
2022	$2,686.00

Flood & Wildfire

445 Oak Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Hunt County (48231C), updated May 3, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 52nd percentile of exposed land nationally · 27th in Texas
Wildfire Likelihood	Moderate — about 1 in 1,020 per year
Exposure	Direct burnable vegetation at the parcel

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