4778 Co Rd 4732, Commerce, TX 75428 Property Records

Hunt County property record for 4778 Co Rd 4732, Commerce, TX 75428

Property Summary

Property Type	Rural Home
Details	1,196 sqft · built 1988
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$437 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0953-0810-0020-30`

Property Details

APN / Parcel Number

Primary APN	`0953-0810-0020-30`
Alternative APN	`R101265`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1988
Exterior Material	Masonite
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101265
Street Address	4778 COUNTY ROAD 4732
City	COMMERCE
State	TX
Zip	75428-5562
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0953 SADLER J C, TRACT 81-2, ACRES 2.00
Legal Subdivision	SADLER J C
Legal Tract	81-2
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2068
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	4778 COUNTY ROAD 4732, COMMERCE, TX 75428-5562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 18, 2019	Deed of Trust, Mortgage GUARANTY BK
Jun 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 19, 2022
Transfer Doc	0000009119
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HUNT TX
Recording Date	Apr 19, 2022
Property Address	4778 COUNTY ROAD 4732, COMMERCE, TX 75428-5562
Document Number	0000009119
Instrument Date	Apr 14, 2022
Instrument	2022-09119
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4778 COUNTY ROAD 4732, 4778, COMMERCE, TX 75428-5562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4778 COUNTY ROAD 4732, COMMERCE, TX 75428-5562

Mortgage

Document Number	0000009120
Date	Apr 19, 2022
Instrument	2022-09120

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	4778 COUNTY ROAD 4732, COMMERCE, TX 75428-5562
Document Number	0000010308
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4778 COUNTY ROAD 4732 COMMERCE TX 754285562, COMMERCE, TX 75428-5562

Mortgage

Document Number	0000010308
Date	Jul 24, 2019
Instrument	10308

Lender

Name	GUARANTY BK
Type	Bank
Address	WINDOM, TX 75492

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 23, 2034

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUNT TX
Recording Date	Jun 12, 2017
Property Address	4778 COUNTY ROAD 4732, COMMERCE, TX 75428-5562
Document Number	0000007643
Instrument Date	Apr 5, 2017
Instrument	7643
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4778 COUNTY ROAD 4732 COMMERCE TX 754285562, COMMERCE, TX 75428-5562

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		$108,250 (-2.2%) Land $29,700 Building $78,550	$108,250 (-2.2%) Land $29,700 Building $78,550
2024	$437.00 (-44.75%)
2023		$110,680 Land $25,470 Building $85,210	$110,680 Land $25,470 Building $85,210
2022	$791.00

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	2 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · rainfall accumulation

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 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.08% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
360 Broadband Fixed Wireless	400 / 50
Nextlink Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: Rise Broadband.

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