1015 N Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 1015 N Howeth St, Gainesville, TX 76240 · Last verified August 2026

Property Summary

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`

Property Details

APN / Parcel Number

Primary APN	`2455-002-00009`
Alternative APN	`8611`

Interior

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

Exterior

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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

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

Owner

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

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

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

February 2017: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002115/484
Date	Feb 08, 2017
Book Page	2115/484
Instrument	2017-72004

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	295 Months
Due	Sep 27, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 N HOWETH ST, GAINESVILLE, TX 76240-3628

Mortgage

Document Number	002449/582
Date	Sep 17, 2021
Book Page	2449/582
Instrument	2021-07982

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MONTCALM, WV 24737

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	221 Months
Due	Feb 10, 2040

June 2022: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 N HOWETH ST, GAINESVILLE, TX 76240-3628

Mortgage

Document Number	002521/717
Date	Jun 30, 2022
Book Page	2521/717
Instrument	2022-5690

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	212 Months
Due	Feb 01, 2040

August 2022: Vendor's Lien, Transfer

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

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 N HOWETH ST, GAINESVILLE, TX 76240-3628

Mortgage

Document Number	0020227364
Date	Aug 30, 2022
Instrument	2022-7364

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Municipality	Gainesville City
Unified School District	Gainesville 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
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cooke County (48097C), updated April 26, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480970006003, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007, rainfall accumulation, Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 510 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 (licensed-by-rule)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Element8 Technology Investment Group, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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