7805 FM 118, Commerce, TX 75428 Property Records

Hunt County property record for 7805 FM 118, Commerce, TX 75428

Property Summary

Property Type	Rural Home
Details	1,927 sqft · built 1976
Lot Size	2.94 acres (128,371 sqft)
Owner	Individual Name on Record
Tax Bill	$3,474 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0583-0180-0010-30`

Property Details

APN / Parcel Number

Primary APN	`0583-0180-0010-30`
Alternative APN	`R225049`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,927 sqft Living Area
Gross Area	3,233 sqft
1st Floor Area	1,927 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	128,371 sqft (2.94 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	420 sqft
Patio Area	84 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R225049
Street Address	7805 FM 118
City	COMMERCE
State	TX
Zip	75428-6885
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	A0583 KEITH W,TRACT 18-1, ACRES 2.947
Legal Subdivision	KEITH W
Legal Tract	18-1
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7805 FM 118, COMMERCE, TX 75428-6885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · ARM CYPRESS BANK
Jul 24, 2023	Intrafamily Transfer, Transfer
May 18, 2020	Deed of Trust, Mortgage CYPRESS BK
Mar 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Mar 10, 2020
Last Transfer Date	Jul 24, 2023
Transfer Doc	0000013840
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	7805 FM 118, COMMERCE, TX 75428-6885
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009507
Date	Apr 22, 2022
Instrument	2022-09507

Lender

Name	CYPRESS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2052
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	9.62%
Index	Other
Margin	2

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HUNT TX
Recording Date	Jul 24, 2023
Property Address	7805 FM 118, COMMERCE, TX 75428-6885
Document Number	0000013840
Instrument Date	Jul 18, 2023
Instrument	2023-13840
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2581 FM 71, COMMERCE, TX 75428-8039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7805 FM 118, COMMERCE, TX 75428-6885

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNT TX
Property Address	7805 FM 118, COMMERCE, TX 75428-6885
Document Number	0000007855
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7805 FM 118 COMMERCE TX 754286885, COMMERCE, TX 75428-6885

Mortgage

Document Number	0000007855
Date	May 22, 2020
Instrument	7855

Lender

Name	CYPRESS BK
Type	Bank

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.62%

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUNT TX
Recording Date	Mar 10, 2020
Property Address	7805 FM 118, COMMERCE, TX 75428-6885
Document Number	0000004165
Instrument Date	Jan 6, 2020
Instrument	4165
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7805 FM 118 COMMERCE TX 754286885, COMMERCE, TX 75428-6885

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		$288,597 (+0.08%)	$327,500 (+13.57%) Land $104,860 Building $222,640
2024	$3,474.00 (-13.17%)
2023		$288,380 (+4.67%) Land $80,040 Building $208,340	$288,380 (+4.67%) Land $80,040 Building $208,340
2022	$4,001.00 Homeowner's exemption	$275,510 Land $60,110 Building $215,400	$275,510 Land $60,110 Building $215,400

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 52% of the US · lower than 71% of Texas
Wildfire Likelihood	0.09% 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 9 locations within half a mile, as of December 31, 2025

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

May also be available: 360 Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on FM 118

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