4546 Co Rd 4505, Commerce, TX 75428 Property Records

Hunt County property record for 4546 Co Rd 4505, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 680 sqft · built 2020
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Jun 2026 Sale Jan 2019 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`5222-0000-0070-30`

Property Details

APN / Parcel Number

Primary APN	`5222-0000-0070-30`
Alternative APNs	`5222-0000-007A-30` `R238463` `R82148` `82148`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	680 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Porch	Enclosed Porch
Porch Area	40 sqft

Location & Zoning

Street Address	4546 COUNTY ROAD 4505
City	COMMERCE
State	TX
Zip	75428-6606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S5222 TRIANGLE ACRES LOT 7 ACRES 3.0
Legal Subdivision	TRIANGLE ACRES
Legal Block	1
Legal Lot Number	7
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1035
Census Tract	960100

Owner

Source: Hunt County records, as of July 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4546 COUNTY ROAD 4505, COMMERCE, TX 75428-6606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 18, 2019	Warranty Deed, Transfer PHILLIP CROSS
May 24, 2017	Deed of Trust, Mortgage BILL ASIAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2022
Deed Sale	Jul 18, 2022
Prior Sale	Jul 18, 2022
Deed Document Number	202216662
Prior Transfer Date	Dec 1, 2018
Prior Transfer Doc	0000000772
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Jun 3, 2026
Property Address	4546 COUNTY ROAD 4505, COMMERCE, TX 75428-6606
Document Number	0000010084
Instrument Date	May 29, 2026
Instrument	202610084
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4546 COUNTY ROAD 4505, COMMERCE, TX 75428-6606

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Jan 18, 2019
Property Address	4546 COUNTY ROAD 4505, COMMERCE, TX 75428-6606
Document Number	0000000772
Instrument Date	Dec 1, 2018
Instrument	772
Transaction Type	Transfer
Record Updated	Jan 30, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4546 COUNTY ROAD 4505 COMMERCE TX 754286606, COMMERCE, TX 75428-6606

Mortgage

Document Number	771
Date	Jan 18, 2019
Instrument	771

Lender

Name	PHILLIP CROSS
Address	2802 TANGLEWOOD DR, COMMERCE, TX 75428-3812
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 17, 2034

Interest

Rate	10.5%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	4546 COUNTY ROAD 4505, COMMERCE, TX 75428-6606
Document Number	0000015481
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5704 SOUTHERN CROSS DR ROCKWALL TX 750325798, ROCKWALL, TX 75032-5798

Mortgage

Document Number	0000015481
Date	Nov 6, 2017
Instrument	15481

Lender

Name	BILL ASIAN
Address	109 OAK LN, COMMERCE, TX 75428-3620

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2032

Tax Assessment & Valuation

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	$1,395.00 (-6.69%) Homeowner's exemption	$140,120 (+28.49%) Land $106,000 Building $34,120	$140,120 (+28.49%) Land $106,000 Building $34,120
2024	$1,495.00 (+41.71%)
2023		$109,050 Land $81,000 Building $28,050	$109,050 Land $81,000 Building $28,050
2022	$1,055.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

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

Wildfire Risk	Moderate above 48% of the US · lower than 77% of Texas
Wildfire Likelihood	0.1% 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 15 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

May also be available: 360 Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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