455 Commerce St, Alto, TX 75925 Property Records

Cherokee County property record for 455 Commerce St, Alto, TX 75925

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,040 sqft · built 1930
Lot Size	0.618 acres (26,920 sqft)
Owner	2 Individual Names on File
Last Sale	$104,500 (Dec 2019)
Tax Bill	$2,683 (2026)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`121000-00210-0008000`

Property Details

APN / Parcel Number

Primary APN	`121000-00210-0008000`
Alternative APN	`221008000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	3,854 sqft
1st Floor Area	1,656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	26,920 sqft (0.618 acres)
Garage Type	Detached
Garage Area	390 sqft
Porch	Porch
Porch Area	746 sqft

Location & Zoning

Account Number	121000-00210-0008000
Street Address	455 COMMERCE ST
City	ALTO
State	TX
Zip	75925-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 21 ALTO
Legal Subdivision	A C HARRISON ADDITION
Legal Tract	8
Legal Block	21
Legal Lot Number	8
Jurisdiction	CHEROKEE TX
Township / Civil Division	ALTO
Census Block Group	2
Census Block	2038
Census Tract	951000

Owner

455 Commerce St is owned and occupied by two individuals who bought it in December 2019.

Source: Cherokee County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3618 N UNIVERSITY DR, NACOGDOCHES, TX 75965-2539
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 4, 2019	Vendor's Lien, Transfer · FHA Mortgage PANORAMA MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on File
Deed Sale	Dec 4, 2019 · Amount on File
Prior Sale	Jun 25, 2012 · Amount on File
Deed Document Number	2019685883
Deed Book / Page	2522 / 821
Prior Transfer Date	Dec 2, 2019
Prior Transfer Doc	2522/821
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE TX
Property Address	455 COMMERCE ST, ALTO, TX 75925-2830
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002914/494
Date	Dec 29, 2025
Book Page	2914/494
Instrument	746355

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

December 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CHEROKEE TX
Recording Date	Dec 4, 2019
Property Address	455 COMMERCE ST, ALTO, TX 75925
Document Number	2522/821
Book / Page	2522 / 821
Map Reference	VOL 2119 PG 752
Instrument Date	Dec 2, 2019
Instrument	00685883
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 COMMERCE ST, ALTO, TX 75925

Mortgage

Document Number	00685884
Date	Dec 4, 2019
Instrument	00685884

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 455 Commerce St was $2,683 with a homeowner's exemption, up 311.5% from the year before.

Source: Cherokee County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Alto Town
County	Cherokee County
Unified School District	Alto Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,683.00 (+311.5%) Homeowner's exemption	$254,310 (+89.67%) Land $5,920 Building $248,390	$254,310 (+89.67%) Land $5,920 Building $248,390
2025	$652.00 Homeowner's exemption	$134,080 Land $5,920 Building $128,160	$134,080 Land $5,920 Building $128,160
2023		$132,110 Land $5,920 Building $126,190	$132,110 Land $5,920 Building $126,190
2022	$1,101.00

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

Flood

FEMA maps place 455 Commerce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective June 20, 2021 · 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	2 in force
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2002 · 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 455 Commerce St is moderate, ranking above 48% of the US, with a 0.09% annual chance of 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	0.09% 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	CITY OF ALTO serves 1,225 people · EPA ID TX0370001
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber · DSL in parts of the area	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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