809 N Commerce St, Lockhart, TX 78644 Property Records

Caldwell County property record for 809 N Commerce St, Lockhart, TX 78644 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2022
Lot Size	0.092 acres (4,012 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Apr 2023)
Tax Bill	$5,803 (2026)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0300547-001-110-60`

Property Details

APN / Parcel Number

Primary APN	`0300547-001-110-60`
Alternative APNs	`R19692` `19692`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,680 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	840 sqft
Utility Area	40 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Architectural Style	Georgian
Exterior Material	Wood
Roof Type	Reinforced Concrete
Lot Area	4,012 sqft (0.092 acres)
Lot Dimensions	75 ft deep x 54 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19692
Street Address	809 N COMMERCE ST
City	LOCKHART
State	TX
Zip	78644-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHSIDE, LOT PT 11
Legal Subdivision	NORTHSIDE
Legal Lot Number	11
Jurisdiction	CALDWELL TX
Township / Civil Division	LOCKHART
Census Block Group	1
Census Block	1018
Census Tract	960400

Owner

Source: Caldwell County records · APN 0300547-001-110-60

Assessment roll updated November 11, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	809 N COMMERCE ST, LOCKHART, TX 78644-1813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2023 · Amount on Record
Deed Sale	Apr 21, 2023 · Amount on Record
Prior Sale	Aug 21, 2018
Deed Document Number	20232298
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALDWELL TX
Property Address	809 N COMMERCE ST, LOCKHART, TX 78644-1813
Transaction Type	Mortgage
Record Updated	Nov 16, 2023
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N COMMERCE ST, LOCKHART, TX 78644-1813

Mortgage

Document Number	2023002299
Date	Apr 21, 2023
Instrument	2023-002299

Lender

Name	BARTON CREEK LENDING GROUP LLC
Type	Mortgage Company
Address	AUSTIN, TX 78704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

Source: Caldwell County records · Assessment roll updated November 11, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,803.00 (-2.54%)
2025		$302,430 (+3.9%) Land $61,030 Building $241,400	$302,430 (+3.9%) Land $61,030 Building $241,400
2024	$5,954.00 (+2.78%)
2023	$5,793.00 (+420.02%)	$291,070 Land $53,090 Building $237,980	$291,070 Land $53,090 Building $237,980
2022	$1,114.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Caldwell County (48055C), updated June 9, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480559604001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 1 of 3 on primary residences
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1998, rainfall accumulation, Flooding 10/18/98

Wildfire

Wildfire Risk	Low above 38% of the US · above 13% of Texas
Wildfire Likelihood	About 1 in 1,754 per year
Exposure	Direct burnable vegetation at the parcel

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.