7677 FM 118, Commerce, TX 75428 Property Records

Hunt County property record for 7677 FM 118, Commerce, TX 75428

Property Summary

Property Type	Mobile Home
Details	2,128 sqft · built 1998
Lot Size	17.3 acres (757,421 sqft)
Owner	2 Individual Names on Record
Tax Bill	$542 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0583-0160-0030-30`

Property Details

APN / Parcel Number

Primary APN	`0583-0160-0030-30`
Alternative APN	`R212719`

Interior

Stories	1 Story
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft

Exterior

Year Built	Built 1998
Architectural Style	Mobile/Manufactured
Lot Area	757,421 sqft (17.3 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	880 sqft
Deck Area	400 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	100 sqft
Utility Building	1,800 sqft

Location & Zoning

Account Number	R212719
Street Address	7677 FM 118
City	COMMERCE
State	TX
Zip	75428-6887
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	A0583 KEITH W,TRACT 16-3, ACRES 17.388
Legal Subdivision	KEITH W
Legal Tract	16-3
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1034
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	2 Individual Names on Record
Mailing Address	7677 FM 118, COMMERCE, TX 75428-6887
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONS DIRECT MTG
Mar 20, 2018	Warranty Deed, Transfer · VA Mortgage LOANSTAR HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020
Deed Sale	Dec 31, 2020
Prior Sale	Mar 20, 2018
Deed Document Number	2020-23416
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	7677 FM 118, COMMERCE, TX 75428-6887
Document Number	0000023174
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7677 FM 118 COMMERCE TX 754286887, COMMERCE, TX 75428-6887

Mortgage

Document Number	0000023174
Date	Dec 29, 2020
Instrument	23174

Lender

Name	NATIONS DIRECT MTG
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Mar 20, 2018
Property Address	7677 FM 118, COMMERCE, TX 75428-6887
Document Number	0000003742
Instrument Date	Mar 12, 2018
Instrument	3742
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	CAPITAL 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	7677 FM 118 COMMERCE TX 754286887, COMMERCE, TX 75428-6887

Mortgage

Document Number	3743
Date	Mar 20, 2018
Instrument	3743

Lender

Name	LOANSTAR HM LNS LLC
Address	PORTLAND, OR 97223

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 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		$93,830 (-10.88%) Land $16,090 Building $77,740	$317,410 (+5.64%) Land $239,670 Building $77,740
2024	$542.00 (-49.39%)
2023		$105,290 Land $13,860 Building $91,430	$300,470 Land $209,040 Building $91,430
2022	$1,071.00

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 54% of the US · lower than 68% of Texas
Wildfire Likelihood	0.1% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 500
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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