6976 State Hwy 50, Commerce, TX 75428 Property Records

Hunt County property record for 6976 State Hwy 50, Commerce, TX 75428

Property Summary

Property Type	Rural Home
Details	1,736 sqft · built 1968
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$2,663 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0403-0770-0000-30`

Property Details

APN / Parcel Number

Primary APN	`0403-0770-0000-30`
Alternative APN	`R25547`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1968
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Carport
Garage Area	560 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R25547
Street Address	6976 STATE HIGHWAY 50
City	COMMERCE
State	TX
Zip	75428-5892
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0403 HART J,TRACT 77, ACRES .5
Legal Subdivision	HART J
Legal Tract	77
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	2
Census Block	2056
Census Tract	960100

Owner

6976 State Hwy 50, a rural home, is owned and occupied by an individual who acquired it in August 2018.

Source: Hunt County records, as of October 23, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6976 STATE HIGHWAY 50, COMMERCE, TX 75428-5892
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Aug 21, 2018	Vendor's Lien, Transfer GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2018
Deed Sale	Aug 21, 2018
Deed Document Number	2018-12741
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	6976 STATE HIGHWAY 50, COMMERCE, TX 75428-5892
Document Number	0000000659
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6976 STATE HIGHWAY 50 COMMERCE TX 754285892, COMMERCE, TX 75428-5892

Mortgage

Document Number	0000000659
Date	Jan 14, 2020
Instrument	659

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2050

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Aug 21, 2018
Property Address	6976 STATE HIGHWAY 50, COMMERCE, TX 75428-5892
Document Number	0000012741
Map Reference	DOC2017-16978
Instrument Date	Aug 12, 2018
Instrument	2018-12741
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6976 STATE HIGHWAY 50, COMMERCE, TX 75428-5892

Mortgage

Document Number	0000012742
Date	Aug 21, 2018
Instrument	2018-12742

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

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		$158,540 Land $38,750 Building $119,790	$158,540 Land $38,750 Building $119,790
2024	$2,663.00
2023		$153,050 Land $28,130 Building $124,920	$153,050 Land $28,130 Building $124,920
2022	$2,983.00

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

Flood

FEMA maps place 6976 State Hwy 50 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

Wildfire risk around 6976 State Hwy 50 is moderate, ranking above 45% of the US, with a 0.07% annual chance of 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	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
360 Broadband Fixed Wireless	400 / 50
Rise Broadband Fixed Wireless	25 / 5
T-Mobile Fixed Wireless	25 / 3

May also be available: Nextlink.

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