7821 FM 118, Commerce, TX 75428 Property Records

Hunt County property record for 7821 FM 118, Commerce, TX 75428

Property Summary

Property Type	Rural Home
Details	1,662 sqft · built 1980
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$3,598 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0583-0220-0010-30`

Property Details

APN / Parcel Number

Primary APN	`0583-0220-0010-30`
Alternative APN	`R108013`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,086 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	220 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R108013
Street Address	7821 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 22-1, ACRES 2.0
Legal Subdivision	KEITH W
Legal Tract	22-1
Jurisdiction	HUNT TX
Township / Civil Division	COMMERCE
Census Block Group	1
Census Block	1034
Census Tract	960100

Owner

7821 FM 118, a rural home, is owned and occupied by an individual who acquired it in April 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7821 FM 118, COMMERCE, TX 75428-6885
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
Apr 13, 2022	Vendor's Lien, Transfer · VA Mortgage INTERGRITY MORTGAGE CORPORATION OF
Feb 21, 2017	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG
Feb 21, 2017	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022
Deed Sale	Apr 13, 2022
Prior Sale	Feb 21, 2017
Deed Document Number	2022-08682
Record Updated	Jun 8, 2026

April 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	HUNT TX
Recording Date	Apr 13, 2022
Property Address	7821 FM 118, COMMERCE, TX 75428-6885
Document Number	0000008682
Instrument Date	Apr 8, 2022
Instrument	2022-08682
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7821 FM 118, 7821, COMMERCE, TX 75428-6885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7821 FM 118, COMMERCE, TX 75428-6885

Mortgage

Document Number	0000008683
Date	Apr 13, 2022
Instrument	2022-08683

Lender

Name	INTERGRITY MORTGAGE CORPORATION OF
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUNT TX
Recording Date	Feb 21, 2017
Property Address	7821 FM 118, COMMERCE, TX 75428-6885
Document Number	0000002225
Instrument Date	Feb 20, 2017
Instrument	2225
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

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	7821 FM 118 COMMERCE TX 754286885, COMMERCE, TX 75428-6885

Mortgage

Document Number	2226
Date	Feb 21, 2017
Instrument	2226

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2047

February 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	HUNT TX
Recording Date	Feb 21, 2017
Property Address	7821 FM 118, COMMERCE, TX 75428-6885
Document Number	0000002224
Instrument Date	Feb 20, 2017
Instrument	2224
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7821 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		$279,130 Land $80,000 Building $199,130	$279,130 Land $80,000 Building $199,130
2024	$3,598.00
2023		$258,260 Land $60,000 Building $198,260	$258,260 Land $60,000 Building $198,260
2022	$2,726.00

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

Flood

FEMA maps place 7821 FM 118 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	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

Wildfire risk around 7821 FM 118 is moderate, ranking above 52% of the US, with a 0.09% annual chance of 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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