Hunt County property record for 4491 Co Rd 4511, Commerce, TX 75428
| Property Type | Commercial |
|---|---|
| Details | 3 ba · 2,204 sqft · built 1986 |
| Lot Size | 5.34 acres (232,915 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $622,300 (May 2026) |
| Tax Bill | $2,068 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0222-0120-0020-30 |
| Primary APN | 0222-0120-0020-30 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,204 sqft Gross Area |
| 1st Floor Area | 2,204 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 232,915 sqft (5.34 acres) |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 86 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4491 COUNTY ROAD 4511 |
|---|---|
| City | COMMERCE |
| State | TX |
| Zip | 75428-5251 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | A0222 CLARK W,TRACT 12-2, ACRES 5.347 |
| Legal Subdivision | CLARK W |
| Legal Tract | 12-2 |
| Legal Block | 1 |
| Legal Lot Number | 12-2 |
| Jurisdiction | HUNT TX |
| Township / Civil Division | COMMERCE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 960100 |
Source: Hunt County records · APN 0222-0120-0020-30
Assessment roll updated September 10, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 W WALNUT ST, WHITEWRIGHT, TX 75491-2171 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 21, 2026 | Deed, Transfer · VA Mortgage USAA FSB |
| Feb 21, 2020 | Deed of Trust, Mortgage AMERICAN NAT'L BK/TX |
| Dec 21, 2017 | Deed of Trust, Mortgage · Line of Credit AMERICAN NAT'L BK/TX |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Deed Document Number | 20269190 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HUNT TX |
| Recording Date | May 21, 2026 |
| Property Address | 4491 COUNTY ROAD 4511, COMMERCE, TX 75428-5251 |
| Document Number | 0000009190 |
| Instrument Date | May 20, 2026 |
| Instrument | 20269190 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | MONEY LAW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 W WALNUT ST, WHITEWRIGHT, TX 75491-2171 |
| Document Number | 0000009191, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 20269191 |
| Name | USAA FSB |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUNT TX |
| Property Address | 4491 COUNTY ROAD 4511, COMMERCE, TX 75428-5251 |
| Document Number | 0000004599 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4491 COUNTY ROAD 4511 COMMERCE TX 754285251, COMMERCE, TX 75428-5251 |
| Document Number | 0000004599 |
|---|---|
| Date | Mar 18, 2020 |
| Instrument | 4599 |
| Name | AMERICAN NAT'L BK/TX |
|---|---|
| Type | Bank |
| Address | TERRELL, TX 75160 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 17, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUNT TX |
| Property Address | 4491 COUNTY ROAD 4511, COMMERCE, TX 75428-5251 |
| Document Number | 0000000360 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4491 COUNTY ROAD 4511 COMMERCE TX 754285251, COMMERCE, TX 75428-5251 |
| Document Number | 0000000360 |
|---|---|
| Date | Jan 09, 2018 |
| Instrument | 360 |
| Name | AMERICAN NAT'L BK/TX |
|---|---|
| Type | Bank |
| Address | TERRELL, TX 75160 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 08, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: Hunt County records · Assessment roll updated September 10, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Hunt County |
| Unified School District | Commerce Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,068.00 (-14.01%) Homeowner's exemption Senior Citizen's exemption | $292,070 (+4.04%) Land $63,330 Building $228,740 | $292,070 (+4.04%) Land $63,330 Building $228,740 |
| 2024 | $2,405.00 (-32.67%) | ||
| 2023 | $280,730 Land $50,580 Building $230,150 | $280,730 Land $50,580 Building $230,150 | |
| 2022 | $3,572.00 |
Source: FEMA National Flood Hazard Layer, Hunt County (48231C), as of May 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482319601001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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 54% of the US · lower than 68% of Texas |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Peoples Telephone Cooperative Fixed Wireless | 500 / 60 |
| 360 Communications, Inc. (OK, AR & TX) Fixed Wireless | 400 / 50 |
May also be available: AMG Technology Investment Group, Verizon.
Based on FCC filings for 9 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system TX1160039, 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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