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5425 Co Rd 4604, Commerce, TX 75428 Property Records

Hunt County property record for 5425 Co Rd 4604, Commerce, TX 75428

Property Summary

Property TypeRural Home
Details2,400 sqft · built 2022
Lot Size20 acres (871,200 sqft)
OwnerIndividual Name on File
Tax Bill$8,512 (2024)
Deeds & MortgagesJun 2023 Mortgage
Dec 2021 Construction Loan
Flood ZoneZone X (minimal risk)
APN0782-0110-0010-30

Property Details

APN / Parcel Number

Primary APN0782-0110-0010-30
Alternative APN
  • R236295

Interior

Stories2 Stories
Building Area2,400 sqft Living Area
1st Floor Area1,200 sqft
2nd Floor Area1,200 sqft

Exterior

Year BuiltBuilt 2022
Lot Area871,200 sqft (20 acres)
Utility Building3,840 sqft

Location & Zoning

Account NumberR236295
Street Address5425 COUNTY ROAD 4604
CityCOMMERCE
StateTX
Zip75428-5329
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionA0782 MCBEE S R,TRACT 11-1, ACRES 20.0
Legal SubdivisionMCBEE S R
Legal Tract11-1
JurisdictionHUNT TX
Township / Civil DivisionCOMMERCE
Census Block Group1
Census Block1005
Census Tract960100

Owner

Source: Hunt County records · APN 0782-0110-0010-30

Assessment roll updated July 25, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address6425 COUNTY ROAD 4714, COMMERCE, TX 75428-5313
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 21, 2023Deed of Trust, Mortgage · ARM
CYPRESS BANK SSB
Dec 01, 2021Vendor's Lien, Transfer · Construction Mortgage
CYPRESS BANK SSB

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 01, 2021
Deed SaleDec 01, 2021
Deed Document Number2021-26803
Record UpdatedJun 08, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHUNT TX
Property Address5425 COUNTY ROAD 4604, COMMERCE, TX 75428-5329
Transaction TypeMortgage
Record UpdatedMar 20, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5425 COUNTY ROAD 4604, COMMERCE, TX 75428-5329

Mortgage

Document Number0000011556
DateJun 21, 2023
Instrument2023-11556
Lender
NameCYPRESS BANK SSB
TypeBank
AddressPITTSBURG, TX 75686
Agreement
TypeARM
AmountAmount Recorded
Term360 Months
DueJun 01, 2053
Interest
Rate TypeAdjustable Rate
Rate7.37%
AdjustableAdjustable Rate Rider
Type Change DateJun 01, 2024
Change FrequencyAnnually
Min Rate At Change5.37%
Max Rate At Change9.37%
Index12-Month MTA
Max Rate12.3%

December 2021: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionHUNT TX
Recording DateDec 01, 2021
Property Address5425 COUNTY ROAD 4604, COMMERCE, TX 75428-5329
Document Number0000026803
Instrument DateNov 05, 2021
Instrument2021-26803
Transaction TypeTransfer
Record UpdatedMar 20, 2026

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6425 COUNTY ROAD 4714, COMMERCE, TX 75428-5313

Mortgage

Document Number0000026806
DateDec 01, 2021
Instrument2021-26806
Lender
NameCYPRESS BANK SSB
TypeBank
Special NotesSeller Financed
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Hunt County records · Assessment roll updated July 25, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateTexas
CountyHunt County
Unified School DistrictCommerce Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$444,200 (+24.12%) Land $41,070 Building $403,130$663,130 (+20.21%) Land $260,000 Building $403,130
2024$8,512.00 (+1,121.23%)
2023$357,890 Land $36,230 Building $321,660$551,660 Land $230,000 Building $321,660
2022$697.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hunt County (48231C), as of May 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 482319601001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimAug 2017 · river or lake flooding

Wildfire

Wildfire RiskModerate
above 51% of the US · lower than 73% of Texas
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
360 Communications, Inc. (OK, AR & TX)
Fixed Wireless		400 / 50
AMG Technology Investment Group
Fixed Wireless		100 / 20
Verizon
Fixed Wireless		25 / 6
JAB Wireless
Fixed Wireless		25 / 5
T-Mobile USA
Fixed Wireless		25 / 3

Based on FCC filings for 2 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system TX1160039, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTH HUNT SUD
serves 4,836 people
Water SourcePurchased surface water from CITY OF COMMERCE
Last State InspectionAug 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNitrite
resolved · Oct 2022
Treatment and ProcedureColiform assessment
Sep 2023
Monitoring and Reporting4
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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