505 Commerce St, Kemp, TX 75143 Property Records

Kaufman County property record for 505 Commerce St, Kemp, TX 75143

Property Summary

Property Type	Single Family Home
Details	1,130 sqft · built 1997
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Tax Bill	$3,163 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R631`

Property Details

APN / Parcel Number

Primary APN	`R631`
Alternative APN	`99.0003.0000.0290.14.04.04`

Interior

Stories	1 Story
Building Area	1,130 sqft Living Area
Gross Area	1,350 sqft
1st Floor Area	1,130 sqft

Exterior

Year Built	Built 1997
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R631
Old Parcel Number	99000300000290140404
Street Address	505 COMMERCE ST
City	KEMP
State	TX
Zip	75143-3007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J S ABLES, TRACT 290.14; .26 ACRES
Legal Subdivision	J S ABLES
Legal Tract	290.14
Jurisdiction	KAUFMAN TX
Township / Civil Division	CEDAR CREEK LAKE
Census Block Group	3
Census Block	3070
Census Tract	51301

Owner

Source: Kaufman County assessment roll, as of August 1, 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 File
Mailing Address	505 COMMERCE ST, KEMP, TX 75143-3007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 27, 2017	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 12, 2022
Deed Sale	Sep 12, 2022
Prior Sale	Feb 27, 2017
Deed Document Number	2022-0034689
Deed Book / Page	7803 / 528
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KAUFMAN TX
Property Address	505 COMMERCE ST, KEMP, TX 75143-3007
Transaction Type	Mortgage
Record Updated	Sep 5, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061960367
Date	Nov 5, 2019
Book Page	6196/367
Instrument	2019-0027774

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KAUFMAN TX
Recording Date	Feb 27, 2017
Property Address	505 COMMERCE ST, KEMP, TX 75143-3007
Document Number	0052730286
Book / Page	005273 / 000286
Instrument Date	Feb 24, 2017
Instrument	4235
Transaction Type	Transfer
Record Updated	Mar 8, 2017
Title Company	KAUFMAN COUNTY TITLE, KAUFMAN CNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	505 COMMERCE ST KEMP TX 751433007, KEMP, TX 75143-3007

Mortgage

Document Number	52730291
Date	Feb 27, 2017
Book Page	005273/000291
Instrument	4236

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

Source: Kaufman County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Kaufman County
Municipality	Kemp City
Unified School District	Kemp Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$203,443 (+4.71%) Land $56,628 Building $146,815	$203,443 (+4.71%) Land $56,628 Building $146,815
2024	$3,163.00 (+20.86%)
2023	$2,617.00 (-7.17%) Homeowner's exemption	$194,290 Land $45,302 Building $148,988	$194,290 Land $45,302 Building $148,988
2022	$2,819.00

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 October 8, 2026 · 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	5 in force

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	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF KEMP serves 1,283 people · EPA ID TX1290004
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Feb 2021 E. coli not recorded as resolved · Jul 2018
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Cable	940 / 35
3 Rooms Communications Fixed Wireless	100 / 100

May also be available: AMG Technology Investment Group, T-Mobile USA, Verizon.

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