Cooke County property record for 1015 N Howeth St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,243 sqft · built 1945 |
| Lot Size | 0.173 acres (7,527 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $232,088 (Aug 2022) |
| Tax Bill | $2,254 (2025) |
| Deeds & Mortgages | Feb 2017 Line of Credit Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2455-002-00009 |
| Primary APN | 2455-002-00009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,243 sqft Living Area |
| Gross Area | 1,531 sqft |
| 1st Floor Area | 1,243 sqft |
| Flooring | Carpet |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Asbestos |
| Roof Material | Composition Shingle |
| Lot Area | 7,527 sqft (0.173 acres) |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 68 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2455-002-00009 |
|---|---|
| Street Address | 1015 N HOWETH ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEE RE; BLOCK 2; LOT 9; ACRES .1728 |
| Legal Subdivision | LEE RE |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 600 |
Source: Cooke County records · APN 2455-002-00009
Assessment roll updated June 2, 2026 · 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 08, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Sep 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP |
| Jun 30, 2022 | Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP |
| Aug 30, 2022 | Vendor's Lien, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Prior Sale | Jan 20, 2010 · Amount on Record |
| Deed Document Number | 20227363 |
| Deed Book / Page | 2533 / 840 |
| Prior Transfer Date | Jan 15, 2010 |
| Prior Transfer Doc | 0000008862 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002115/484 |
|---|---|
| Date | Feb 08, 2017 |
| Book Page | 2115/484 |
| Instrument | 2017-72004 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | Sep 27, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Document Number | 002449/582 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 2449/582 |
| Instrument | 2021-07982 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MONTCALM, WV 24737 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 221 Months |
| Due | Feb 10, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Document Number | 002521/717 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 2521/717 |
| Instrument | 2022-5690 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33416 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 212 Months |
| Due | Feb 01, 2040 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Aug 30, 2022 |
| Property Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Document Number | 002533/840 |
| Book / Page | 2533 / 840 |
| Map Reference | CAB B SL 76 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022-7363 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | NOT AVAILABLE, HTG |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1015 N HOWETH ST, GAINESVILLE, TX 76240-3628 |
| Document Number | 0020227364 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022-7364 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
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 |
|---|---|---|---|
| 2025 | $2,254.00 (-7.96%) Homeowner's exemption | $174,540 (+5.42%) Land $30,635 Building $143,905 | $174,540 (+5.42%) Land $30,635 Building $143,905 |
| 2024 | $2,449.00 (+149.39%) | ||
| 2023 | $165,572 Land $27,850 Building $137,722 | $165,572 Land $27,850 Building $137,722 | |
| 2022 | $982.00 |
Source: FEMA National Flood Hazard Layer as of April 26, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2007 · Severe Storms, Tornadoes, And Flooding |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.3% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Fiber | 2,000 / 2,000 |
| Optimum Communications Cable | 940 / 35 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Element8 Technology Investment Group.
Based on FCC filings for 510 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF GAINESVILLE serves 18,107 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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