- Hunt County
- Commerce TX
- 75428
- Local Area: J W Stewart Sur A-1020
Property Overview
Nestled on a sprawling 12.64-acre corner lot (Hwy 224 and CR 4405) just 3 miles from Commerce, this property perfectly blends rural comfort, functional country living, and incredible potential. Outside, the acreage transforms into a productive paradise with a host of mature Paper Shell and classic Texas pecan trees providing both beautiful shade and views along with productive agricultural output. Living here gives the opportunity to create gardens and bring animals to promote natural food raised on your own land by your own hands. Exceptional workspace and storage options include a 30x40 insulated shop alongside two independent storage buildings, providing ample room for hobbies, equipment, and agricultural ventures. The heart of the property is a custom-built brick home featuring high ceilings and elegant flooring, including marble and ceramic tile making country life clean up easy, and plush carpet in the bedrooms. The kitchen boasts solid granite countertops, a beautiful stone backsplash, and an inviting eat in bar. Spacious bedrooms come equipped with generous walk-in closets, offering comfort and style.
Just out back, an inground pool awaits your vision, ready to be restored into a private oasis or filled in to create an expanded patio area. The house needs a few minor touch ups for FHA or VA loans, or if you want to do some things to make it more your own, a renovation loan will do the trick.
Wide road frontage on Hwy 224 allows the flexibility to replat and build additional homes if county approval is obtained.
Come see what you can do with this amazing property!
Featured spaces
HAVE QUESTIONS ABOUT THIS HOME?
Text or email Steavy directly from this listing.
HAVE QUESTIONS ABOUT THIS HOME?
Text or email Steavy directly from this listing.
Property highlights
Year Built 1993
School District Commerce Isd
HOA No HOA
Pool Pool
Parking 2-car garage, 6 covered
Gated Gated estate
Shop / Workshop Workshop on property
Architecture Traditional, Detached
Acreage Estate 12.64 acres
Full Property Details
Property Details
Quick Details
- Price $575,000
- Status Active
- Bedrooms 3
- Bathrooms 2
- Square Feet 1,348 Sq Ft
- Lot Size 12.64 acres
- Lot Size Sq Ft 550,598
- Year Built 1993
- Price / Sq Ft $427 / Sq Ft
- MLS # 21367213
Overview
- Property Type Residential
- Property Subtype Single Family Residence
- Property Condition Resale
- County Hunt
- Subdivision J W Stewart Sur A-1020
- Days on Market 52
Home Details
- Architectural Style Traditional, Detached
- Stories 1
- Levels One
- Full Baths 2
- Half Baths 0
- Construction Brick
- Foundation Slab
- Roof Composition
- Flooring Carpet, Ceramic Tile, Marble, Tile
- Heating Central, Electric
- Cooling Central Air, Ceiling Fans, Electric
- Property Attached Yes
Kitchen & Interior
- Appliances Dryer, Dishwasher, Electric Cooktop, Electric Oven, Refrigerator, Washer
- Interior Features Decorative Designer Lighting Fixtures, Eat In Kitchen, Granite Counters, High Speed Internet
- Laundry Features Washer Hookup, Dryer Hookup, Electric Dryer Hookup, Laundry In Utility Room
- Window Features Window Coverings
Lot & Exterior
- Lot Features Acreage, Agricultural, Back Yard, Cleared, Corner Lot, Lawn, Many Trees
- Fencing Fenced, Full, Pipe, Wire
- Pool Yes
- Pool Features In Ground, Other, Pool
- Other Structures Sheds, Storage, Workshop
Parking
- Parking Attached Carport, Driveway, Garage Faces Front, Garage, Garage Door Opener, Gated
- Garage Spaces 2
- Covered Parking 6
- Attached Garage Yes
Taxes & HOA
- Annual Taxes $4,921
- Parcel Number 108811
- Legal Description A1020 STEWART J, TRACT 26-7, ACRES 12.64
Utilities
- Utilities Cable Available, Electricity Connected, Septic Available, Separate Meters, Water Available
- Water Community Coop
- Sewer Septic Tank
Schools
- School District Commerce ISD
- Elementary Commerce — Commerce ISD
- Middle Commerce — Commerce ISD
- High Commerce — Commerce ISD
Listing Information
- Listing Agent Kathleen Hunnicutt
- Brokerage AT Home Texas Real Estate
- MLS Board NTREIS
- List Date 08/22/2026
- Source Updated 10/13/2026
- Last Updated 10/13/2026
- Virtual Tour View Virtual Tour (PropertyPanorama)
Property Tax & CAD Valuation for 3016 County Road 4405
Hunt CAD (TrueProdigy) records for 3016 County Road 4405, Commerce, TX 75428 show a CAD market value of $423,038 and a net appraised value of $254,200. 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 3016 County Road 4405, 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 $179,589 + Improvement Value $243,449 = CAD Market Value $423,038
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: $200,336 Total Area: 2195 Sqft Living Area: 1348 Sqft
| Detail | CAD Code | Area |
|---|---|---|
| MAIN AREA | MA | 1,348 Sqft |
| GARAGE | GA2 | 336 Sqft |
| SWIMMING POOL GOOD | SPG | — |
| CARPORT | CP | 378 Sqft |
| OPEN PORCH W/ROOF | PO | 108 Sqft |
| OPEN PORCH W/ROOF | PO | 24 Sqft |
| Additional Feature / Structure | Type / Details | Area / Quantity |
|---|---|---|
| METAL BUILDING (EXCELLENT) | Code: PMG & 2 SSL'S · Class: D2 · Built 2006 | 1,380 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.
Agricultural or special-use productivity valuation reduces appraised land value below market value during property appraisal.
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 $423,038 − All Current CAD Reductions -$168,838 = Current Taxed Starting Point $254,200
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) |
|---|---|---|---|---|---|
|
County
HUNT COUNTY |
$254,200 | 0.3346 | $851 | — | $851 |
|
Other Entity
HUNT MEMORIAL HD |
$254,200 | 0.2148 | $546 | — | $546 |
|
School District
COMMERCE ISD |
$254,200 | 1.2375 | $3,146 | — | $3,146 |
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 CAD Reductions) $4,542 − Est. Tax Reductions / Savings — = Est. Taxes (With Current Exemptions) $4,542
The current CAD record does not establish an exemption tax savings calculation. A buyer’s future tax bill may differ.
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 | $152,990 | $222,890 | $375,880 | $228,537 | +$99,690 / +36.09% |
| 2023 | $163,970 | $264,880 | $428,850 | $253,552 | +$52,970 / +14.09% |
| 2024 | $173,620 | $254,390 | $428,010 | $263,535 | -$840 / -0.20% |
| 2025 | $192,230 | $265,520 | $457,750 | $276,760 | +$29,740 / +6.95% |
| 2026 | $179,589 | $243,449 | $423,038 | $254,200 | -$34,712 / -7.58% |
| 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?
Because this property has agricultural or special-use valuation, CAD adjustments can create a substantial difference between the county's tax-purpose values and the property's current asking price.
Current List Price $575,000 − Current CAD Market Value $423,038 = Over CAD Value +$151,962 (+35.9%)
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 J W STEWART SUR A-1020
A curated look at local favorites, everyday stops, and lifestyle context near this property.