722 S Commerce St, Lockhart, TX 78644 Property Records

Caldwell County property record for 722 S Commerce St, Lockhart, TX 78644

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1949
Lot Size	0.337 acres (14,675 sqft)
Owner	Individual Name on File
Last Sale	$227,300 (Oct 2020)
Tax Bill	$6,045 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0300633-000-010-00`

Property Details

APN / Parcel Number

Primary APN	`0300633-000-010-00`
Alternative APNs	`R17685` `17685`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1984
Architectural Style	Georgian
Exterior Material	Stone
Foundation Type	Pier/Post & Beam
Roof Type	Reinforced Concrete
Lot Area	14,675 sqft (0.337 acres)
Lot Dimensions	151 ft deep x 97 ft wide
Garage Type	Mixed
Garage Area	266 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	31 sqft
Patio Area	224 sqft
Shed	1 Shed
Shed Area	192 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater

Location & Zoning

Account Number	17685
Street Address	722 S COMMERCE ST
City	LOCKHART
State	TX
Zip	78644-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRED & BILLIE ROBERTS SUBD, LOT 1, ACRES .3369
Legal Subdivision	FRED & BILLIE ROBERTS SUBD
Legal Lot Number	1
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	2
Census Block	2034
Census Tract	960300

Owner

722 S Commerce St is owned and occupied by an individual who bought it in October 2020.

Source: Caldwell County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	722 S COMMERCE ST, LOCKHART, TX 78644-3108
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
Sep 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage ROBERT E HALLMARK
Oct 30, 2020	Vendor's Lien, Transfer · Conventional Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Deed Document Number	20206164
Prior Transfer Date	Oct 28, 2020
Prior Transfer Doc	2020006164
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	722 S COMMERCE ST, LOCKHART, TX 78644-3108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019004547
Date	Sep 6, 2019
Instrument	2019-004547

Lender

Name	ROBERT E HALLMARK
Type	Private Party
Address	432 E IDAHO ST # 207, KALISPELL, MT 59901

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	CALDWELL TX
Recording Date	Oct 30, 2020
Property Address	722 S COMMERCE ST, LOCKHART, TX 78644-3108
Document Number	2020006164
Map Reference	CAB B PG 68
Instrument Date	Oct 28, 2020
Instrument	2020-006164
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 E IDAHO ST # ST207, 432, KALISPELL, MT 59901-4137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 S COMMERCE ST, LOCKHART, TX 78644-3108

Mortgage

Document Number	2020006165
Date	Oct 30, 2020
Instrument	2020-006165

Lender

Name	GOLDWATER BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 722 S Commerce St was $6,045 with a homeowner's exemption, down 0.1% from the year before.

Source: Caldwell County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,045.00 (-0.07%)	$292,930 (-1.57%) Land $95,540 Building $197,390	$292,930 (-1.57%) Land $95,540 Building $197,390
2025	$6,049.00 (+19.97%) Homeowner's exemption	$297,590 Land $95,540 Building $202,050	$297,590 Land $95,540 Building $202,050
2024	$5,042.00 (-23.83%)
2023	$6,619.00 (-9.28%)	$332,610 Land $95,540 Building $237,070	$332,610 Land $95,540 Building $237,070
2022	$7,296.00

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

Flood

FEMA maps place 722 S Commerce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective June 9, 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	1 in force
Nearby Flood Claims	2 (1998–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2025 · 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 722 S Commerce St is low, with a 0.02% annual chance of 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	None beyond ember reach

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	CITY OF LOCKHART serves 18,800 people · EPA ID TX0280001
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Rise Broadband Fiber	1,000 / 200
VTX Communications Fixed Wireless	300 / 50
Verizon Fixed Wireless	300 / 20
Spry Air Fiber Fixed Wireless	250 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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