3041 Choctaw Road Commerce, TX 75428
- Commerce TX
- Hunt County
- 75428
- Acreage
- Pool
- Local Area: Indian Creek Add #5
- Commerce ISD
- Pasture
- Wooded Lot
- Covered Parking
- Shop / Workshop
- Vaulted / Cathedral Ceilings
- Pond on Lot
Property Overview
UPDATE 2026 Ag Exempt approved! No compromise required—this unique property offers the best of both worlds. Rarely does the opportunity arise to enjoy the benefits of subdivision living while also owning over 9 acres of private land to spread out, explore, and create the lifestyle you’ve been dreaming of.
Vaulted ceilings, bay windows, built-in cabinetry, and a wood-burning fireplace with a gas starter add warmth and character throughout the home.
Outside, the property is designed for both relaxation and recreation with mature trees, fenced pasture, a private pond, barn with corrals, and ample space for RVs, trailers, and equipment.
Enjoy summer days around the in-ground gunite diving pool or unwind beneath the covered porch and patio while taking in the peaceful surroundings. In addition to the attached garage, the detached garage provides an ideal workshop or hobby space and features extensive attic storage, offering the flexibility and functionality that acreage buyers are often searching for.
Located on a cul-de-sac and served by city water and sewer, this unique property offers space for horses, hobbies, outdoor living, and privacy—all while maintaining the convenience and community feel that make subdivision living so desirable.
Seller is offering $10,000 towards buyers' interest rate buy down, closing cost, pre-paids, or other lender allowable expenses with a full price offer.
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Property highlights
Year Built 1987
School District Commerce Isd
HOA No HOA
Pool Pool
Parking 6-car garage, 6 covered
Shop / Workshop Shop / Workshop
Pond Pond on Lot
Architecture Detached,Farmhouse
Acreage Estate 9.13 acres
Full Property Details
Property Details
PROPERTY HIGHLIGHTS
Quick Details
- Price $585,000
- Status Active
- Bedrooms 3
- Bathrooms 3
- Square Feet 2,682 Sq Ft
- Lot Size 9.13 acres
- Lot Size Sq Ft 397,529
- Year Built 1987
- Price / Sq Ft $218 / Sq Ft
- MLS # 21333975
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- County Hunt
- Subdivision Indian Creek Add #5
- Days on Market 77
Home Details
- Full Baths 3
- Half Baths 0
- Foundation Slab
- Roof Composition
- Flooring Combination, Tile
- Heating Central, Fireplaces
- Cooling Central Air, Ceiling Fans, Electric
Kitchen & Interior
- Appliances Dishwasher, Disposal
- Interior Features Built In Features, Double Vanity, Eat In Kitchen, Granite Counters, Kitchen Island, Pantry, Cable Tv, Vaulted Ceilings, Walk In Closets
- Fireplaces 1
- Fireplace Features Gas Starter, Living Room, Wood Burning
Lot & Exterior
- Lot Features Acreage, Agricultural, Back Yard, Cul De Sac, Lawn, Landscaped, Pasture, Pond On Lot, Subdivision
- Exterior Features Private Yard, Storage
- Fencing Barbed Wire, Fenced, Full, Perimeter
- Pool Features In Ground, Outdoor Pool, Pool, Private
Parking
- Parking Alley Access, Door Multi, Garage, Garage Door Opener, Inside Entrance, Kitchen Level, Garage Faces Rear, Workshop In Garage, Boat, Rv Access Parking
- Garage Spaces 6
- Covered Parking 6
- Attached Garage Yes
Taxes & HOA
- Annual Taxes $11,181
Utilities
- Utilities Electricity Connected, Natural Gas Available, Phone Available, Sewer Available, Separate Meters, Underground Utilities, Water Available, Cable Available
- Water Public
- Sewer Public Sewer
Schools
- Elementary Williams — Commerce ISD
- Elementary Williams — Commerce ISD
- Middle Commerce — Commerce ISD
- Middle Commerce — Commerce ISD
- High Commerce — Commerce ISD
- High Commerce — Commerce ISD
Listing Information
- MLS Board NTREIS
- List Date 07/30/2026
- Source Updated 10/15/2026
- Last Updated 10/21/2026
- Virtual Tour Available
Explore in 3D
Property Tax & CAD Valuation for 3041 Choctaw Road
Hunt CAD (TrueProdigy) records for 3041 Choctaw Road, Commerce, TX 75428 show a CAD market value of $420,453 and a net appraised value of $420,453. CAD values are used for property-tax purposes and may differ from the property's current list price or eventual sale price.
TAX INFO FOR NORMAL PEOPLE
A plain-English look at Hunt CAD (TrueProdigy) property-tax and appraisal records for 3041 Choctaw Road, Commerce, TX 75428, including CAD market value, appraised value, exemptions, taxing entities, improvement records, and value history.
View Official Hunt CAD (TrueProdigy) Property Record
1. CAD Big Picture: Land + Improvements = Market Value
This shows what the CAD market value is made of. Appraisal districts usually separate value between the land and the improvements. Improvements may include the home, garages, shops, patios, pools, decks, storage, and other structures.
Land Value $65,006 + Improvement Value $355,447 = CAD Market Value $420,453
2. Improvement Details: Size, Type & Assessed Value
This is a breakdown of the improvements CAD has listed for the property and the square footage or area connected to those records. CAD improvement records may include the main living area, garages, shops, decks, patios, pools, storage, or other site improvements when available.
Building
Value: $355,447 Total Area: 4147 Sqft Living Area: 2682 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| MAIN AREA | MA | 2,682 Sqft |
| GARAGE | GA3 | 572 Sqft |
| OPEN PORCH W/ROOF | PO | 420 Sqft |
| CARPORT | CP | 400 Sqft |
| SWIMMING POOL AVG | SPA | — |
| OPEN PORCH W/ROOF | PO | 72 Sqft |
3. Current Tax Exemptions & Statutory Limitations
Property tax bills reflect two distinct types of CAD adjustments: local taxing jurisdiction exemptions (which reduce taxable value below appraised value) and statutory appraisal limitations (which limit the annual growth of appraised value itself). Each taxing entity establishes its own exemption amounts and tax rates.
The current CAD record shows a homestead exemption. Specific deduction amounts vary by taxing jurisdiction.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer’s exemptions and future tax obligations may differ.
4. Value After CAD Reductions
This is where CAD reductions, exemptions, limitations, or special-use valuation may affect the value used for tax calculations.
CAD Market Value $420,453 − All Current CAD Reductions $0 = Current Taxed Starting Point $420,453
This reflects the CAD net appraised value after current CAD reductions. Individual taxing units may use different taxable values when exemptions apply.
5. Who Taxes It?
These are the local entities included in the current CAD/tax estimate. A property tax bill can include a city, county, school district, municipal utility district, public improvement district, or other special district. Each entity may use its own taxable value, rate, and exemption treatment.
| Entity | Taxable Value | Rate (per $100) | Est. Tax (No Ex.) | Savings | Est. Tax (Current) |
|---|---|---|---|---|---|
|
City
CITY OF COMMERCE |
$420,453 | 0.8306 | $3,492 | — | $3,492 |
|
County
HUNT COUNTY |
$420,453 | 0.3332 | $1,401 | — | $1,401 |
|
Other Entity
HUNT MEMORIAL HD |
$420,453 | 0.2072 | $871 | — | $871 |
|
School District
COMMERCE ISD |
$280,453 (H) | 1.2375 | $5,203 | -$1,733 | $3,471 |
(H) Taxable reduction reflected in school district taxable value.
Each taxing jurisdiction may apply its own exemptions, limitations, and taxable-value adjustments. The figures shown reflect the current CAD record. Specific exemption details are displayed when available from the source. A buyer's exemptions and future tax obligations may differ.
6. Estimated Tax Bottom Line
Est. Taxes (No Exemptions) $10,968 − Est. Tax Reductions / Savings $1,733 = Est. Taxes (With Current Exemptions) $9,235
The current CAD tax estimate shows exemptions and adjustments reduce the estimated annual taxes by about $1,733. Estimated taxes without exemptions are calculated by applying each jurisdiction's tax rate to its pre-exemption taxable value. Exemption savings represent the difference between this unexempted estimate and the county's current tax estimate. Taxable values and tax rates vary by jurisdiction. Future taxes depend on buyer qualification and future adopted rates.
The current tax estimate reflects a homestead exemption on the property's present CAD record. That exemption does not automatically transfer to a new owner; a buyer must qualify for their own exemptions. For comparison, the current estimate is $9,235 with the exemptions shown today and $10,968 without exemptions. Actual future taxes will depend on buyer eligibility, future appraised values, and adopted tax rates.
7. CAD Values Over Time
YOY Change reflects the change in CAD Market Value from the prior appraisal year. Taxed / Appraised reflects the CAD net appraised value after CAD reductions, or the certified capped appraisal value where jurisdictions differ. Individual taxing units may use different taxable values when exemptions apply.
| Year | Land | Impr. | Market | Taxed / Appraised | YOY Change |
|---|---|---|---|---|---|
| 2022 | $28,330 | $318,760 | $347,090 | $322,042 | +$42,260 / +13.86% |
| 2023 | $56,880 | $318,760 | $375,640 | $354,246 | +$28,550 / +8.23% |
| 2024 | $65,010 | $360,490 | $425,500 | $389,671 | +$49,860 / +13.27% |
| 2025 | $65,010 | $370,460 | $435,470 | $428,638 | +$9,970 / +2.34% |
| 2026 | $65,006 | $355,447 | $420,453 | $420,453 | -$15,017 / -3.45% |
| 2027 | — | — | — | — | — |
8. List Price vs CAD Value
The current list price and the county’s CAD market value are not the same thing. CAD market value is used for property-tax context and may lag the open market, reflect prior protests, exemptions, caps, agricultural or special-use treatment, or other appraisal district methods.
How does the list price compare with the CAD value?
CAD values are appraisal-district values used for property-tax purposes and can differ from current asking prices and eventual sale prices.
Current List Price $585,000 − Current CAD Market Value $420,453 = Over CAD Value +$164,547 (+39.1%)
A sale price can become part of the appraisal district’s future evidence. A buyer’s future taxable value and tax bill may change after purchase, especially if exemptions, caps, or special-use valuation change.
For tax planning, buyers should confirm future taxable value, exemptions, and special-use treatment with the appraisal district, tax office, lender, CPA, or other qualified advisor.
LIFE AROUND INDIAN CREEK ADD #5
A curated look at local favorites, everyday stops, and lifestyle context near this property.