Cooke County property record for 109 E California St, Gainesville, TX 76240
| Property Type | Office Building |
|---|---|
| Details | 1,325 sqft · built 1987 |
| Lot Size | 0.04 acres (1,764 sqft) |
| Owner | Individual Name on File |
| Last Sale | $106,300 (Oct 2009) |
| Tax Bill | $3,222 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2580-001-00003 |
| Primary APN | 2580-001-00003 |
|---|---|
| Alternative APN |
|
| Building Area | 1,325 sqft Total Area |
|---|
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 1,764 sqft (0.04 acres) |
| Canopy | 35 sqft |
| Account Number | 2580-001-00003 |
|---|---|
| Street Address | 109 E CALIFORNIA ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-4001 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Description | ORGINAL DONATION GV; BLOCK 1; LOT 3 E 18' |
| Legal Subdivision | ORGINAL DONATION GV |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 4 |
| Census Block | 4060 |
| Census Tract | 500 |
109 E California St, a commercial property, is owned by an individual who bought it in October 2009.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 973, GAINESVILLE, TX 76241-0973 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK |
| Jul 21, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2009 · Amount on File |
| Deed Sale | Oct 26, 2009 · Amount on File |
| Deed Document Number | 20096903 |
| Deed Book / Page | 1662 / 183 |
| Prior Transfer Date | Oct 23, 2009 |
| Prior Transfer Doc | 001662/183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 109 E CALIFORNIA ST, GAINESVILLE, TX 76240-4001 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2030 WHEELER CREEK DR, GAINESVILLE, TX 76240-4515 |
| Document Number | 0002733/64 |
|---|---|
| Date | Sep 9, 2025 |
| Book Page | 2733/64 |
| Instrument | 2025-6317 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, TX 76241 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 109 E CALIFORNIA ST, GAINESVILLE, TX 76240-4001 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002527/53 |
|---|---|
| Date | Jul 21, 2022 |
| Book Page | 2527/53 |
| Instrument | 2022-6391 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, TX 76241 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 109 E California St was $3,222, up % from the year before.
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,222.00 (+0.03%) | $154,007 (-) Land $17,660 Building $136,347 | $154,007 (-) Land $17,660 Building $136,347 |
| 2025 | $3,221.00 (+12%) | $154,007 Land $17,660 Building $136,347 | $154,007 Land $17,660 Building $136,347 |
| 2024 | $2,876.00 | ||
| 2023 | $151,800 Land $15,453 Building $136,347 | $151,800 Land $15,453 Building $136,347 | |
| 2022 | $3,304.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 E California St in Zone X, an area of minimal flood risk, though there have been 103 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective April 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 103 (1981–2009) |
| Claims Outside the SFHA | 6 of 103 |
| Most Recent Claim | May 2009 · river or lake flooding |
| Claims by Event |
|
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.
Wildfire risk around 109 E California St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF GAINESVILLE serves 18,107 people · EPA ID TX0490001 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Company Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Element8, Nextlink, Verizon.
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