4597 Co Rd 4505, Commerce, TX 75428 Property Records

Hunt County property record for 4597 Co Rd 4505, Commerce, TX 75428

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 2018
Lot Size	2.39 acres (104,370 sqft)
Owner	2 Individual Names on Record
Tax Bill	$868 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0580-0110-0030-30`

Property Details

APN / Parcel Number

Primary APN	`0580-0110-0030-30`
Alternative APNs	`R101924` `101924`

Interior

Stories	1 Story
Building Area	1,200 sqft Gross Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	104,370 sqft (2.39 acres)
Porch	Open Porch
Porch Area	700 sqft
Utility Building	576 sqft

Location & Zoning

Street Address	4597 COUNTY ROAD 4505
City	COMMERCE
State	TX
Zip	75428-6607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A0580 KINMAN S,TRACT 11-3, ACRES 2.396
Legal Subdivision	KINMAN S
Legal Tract	11-3
Legal Block	1
Legal Lot Number	11-3
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1041
Census Tract	960100

Owner

Source: Hunt County records, as of October 12, 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 Record
Mailing Address	4597 COUNTY ROAD 4505, COMMERCE, TX 75428-6607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Oct 24, 2018	Deed of Trust, Mortgage FIRST BK/CELESTE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Recording Date	Aug 6, 2026
Property Address	4597 COUNTY ROAD 4505, COMMERCE, TX 75428-6607
Document Number	0000014831
Instrument Date	Jul 10, 2026
Instrument	202614831
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4597 COUNTY ROAD 4505, COMMERCE, TX 75428-6607

Mortgage

Document Number	0000014831,
Date	Aug 6, 2026
Instrument	202614831

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 5, 2046

Interest

Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	4597 COUNTY ROAD 4505, COMMERCE, TX 75428-6607
Document Number	0000016581
Instrument Date	Oct 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4597 COUNTY ROAD 4505 COMMERCE TX 754286607, COMMERCE, TX 75428-6607

Mortgage

Document Number	0000016581
Date	Oct 31, 2018
Instrument	16581

Lender

Name	FIRST BK/CELESTE
Type	Bank
Address	CELESTE, TX 75423

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

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	$868.00 (+6.24%) Homeowner's exemption Senior Citizen's exemption	$209,507 (-35.63%)	$350,140 (+7.58%) Land $91,410 Building $258,730
2024	$817.00 (-58.4%)
2023		$325,480 Land $69,030 Building $256,450	$325,480 Land $69,030 Building $256,450
2022	$1,964.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

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 46% of the US · lower than 80% 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	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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