5211 FM 2874, Commerce, TX 75428 Property Records

Hunt County property record for 5211 FM 2874, Commerce, TX 75428

Property Summary

Property Type	Rural Home
Details	1,686 sqft · built 1970
Lot Size	1.19 acres (52,185 sqft)
Owner	Individual Name on Record
Tax Bill	$796 (2024)
Deeds & Mortgages	May 2022 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0028-0290-0000-30`

Property Details

APN / Parcel Number

Primary APN	`0028-0290-0000-30`
Alternative APN	`R29234`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,686 sqft Living Area
1st Floor Area	1,248 sqft
Utility Area	48 sqft
Utility Room	Utility Room
Flooring	Other
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Vinyl
Foundation Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	52,185 sqft (1.19 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R29234
Street Address	5211 FM 2874
City	COMMERCE
State	TX
Zip	75428-6701
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0028 ANDERWORTH E F,TRACT 29, ACRES 1.198
Legal Subdivision	ANDERWORTH E F
Legal Tract	29
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1030
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	5211 FM 2874, COMMERCE, TX 75428-6701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTY BANK & TRUST NA
Nov 13, 2020	Deed of Trust, Mortgage GUARANTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 11, 2022
Transfer Doc	0000011210
Record Updated	Jun 8, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HUNT TX
Recording Date	May 11, 2022
Property Address	5211 FM 2874, COMMERCE, TX 75428-6701
Document Number	0000011210
Map Reference	VOL 775 PG 636
Instrument Date	May 6, 2022
Instrument	2022-11210
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 FM 2874, COMMERCE, TX 75428-6701

Mortgage

Document Number	0000011211
Date	May 11, 2022
Instrument	2022-11211

Lender

Name	GUARANTY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	5211 FM 2874, COMMERCE, TX 75428-6701
Document Number	0000020630
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5214 FM 2874 COMMERCE TX 75428, COMMERCE, TX 75428

Mortgage

Document Number	0000020630
Date	Nov 20, 2020
Instrument	20630

Lender

Name	GUARANTY BK
Type	Bank
Address	COMMERCE, TX 75429-0982

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2040

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		$204,909 (-7.44%)	$236,180 (+6.69%) Land $71,940 Building $164,240
2024	$796.00 (-58.26%)
2023		$221,380 Land $52,760 Building $168,620	$221,380 Land $52,760 Building $168,620
2022	$1,907.00

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 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Peoples Communications Fixed Wireless	500 / 60
360 Broadband Fixed Wireless	400 / 50
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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