4625 FM 2655, Commerce, TX 75428 Property Records

Hunt County property record for 4625 FM 2655, Commerce, TX 75428

Property Summary

Property Type	Rural Home
Details	2,307 sqft · built 1987
Lot Size	53.8 acres (2,345,532 sqft)
Owner	Individual Name on Record
Tax Bill	$3,992 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0953-0360-0020-30`

Property Details

APN / Parcel Number

Primary APN	`0953-0360-0020-30`
Alternative APN	`R35130`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,307 sqft Living Area
Gross Area	2,791 sqft
1st Floor Area	2,307 sqft

Exterior

Year Built	Built 1987
Exterior Material	Brick
Construction Type	Metal Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,345,532 sqft (53.8 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	266 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R35130
Street Address	4625 FM 2655
City	COMMERCE
State	TX
Zip	75428-5309
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0953 SADLER J C,TRACT 36-2, ACRES 53.846
Legal Subdivision	SADLER J C
Legal Tract	36-2
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1006
Census Tract	960100

Owner

Source: Hunt County records, as of October 23, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4625 FM 2655, COMMERCE, TX 75428-5309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020
Deed Sale	Oct 19, 2020
Deed Document Number	2020-17812
Record Updated	Jun 8, 2026

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Oct 19, 2020
Property Address	4625 FM 2655, COMMERCE, TX 75428-5309
Document Number	0000017812
Instrument Date	Oct 16, 2020
Instrument	2020-17812
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	KINCY ABSTRACT & SABINE TTL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8621 LAKE ARROWHEAD TRL, 8621, MCKINNEY, TX 75071-0056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4625 FM 2655, COMMERCE, TX 75428-5309

Mortgage

Document Number	0000017813
Date	Oct 19, 2020
Instrument	2020-17813

Lender

Name	THE AMERICAN NATIONAL BANK OF TEXAS
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Hunt County assessment roll, as of July 25, 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		$313,350 (-2.35%) Land $28,130 Building $285,220	$845,770 (+7.47%) Land $560,550 Building $285,220
2024	$3,992.00 (-10.65%)
2023		$320,890 Land $24,020 Building $296,870	$787,010 Land $490,140 Building $296,870
2022	$4,468.00

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
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 56% of the US · lower than 64% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
360 Broadband Fixed Wireless	200 / 50
Nextlink Fixed Wireless	100 / 20