1109 N Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 1109 N Howeth St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 985 sqft · built 1955
Lot Size	0.25 acres (10,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,340 (Sep 2026)
Tax Bill	$3,261 (2026)
Deeds & Mortgages	Sep 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2385-009-00012`

Property Details

APN / Parcel Number

Primary APN	`2385-009-00012`
Alternative APN	`22097`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	985 sqft Living Area
Gross Area	1,320 sqft
1st Floor Area	985 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,877 sqft (0.25 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	15 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2385-009-00012
Street Address	1109 N HOWETH ST
City	GAINESVILLE
State	TX
Zip	76240-2925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ADDN; BLOCK 9; LOT 12
Legal Subdivision	HILLCREST ADDN
Legal Block	9
Legal Lot Number	12
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2041
Census Tract	600

Owner

Source: Cooke County records, as of October 20, 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 Record
Mailing Address	1109 N HOWETH ST, GAINESVILLE, TX 76240-2925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	May 2, 2024 · Amount on Record
Deed Document Number	20266918
Deed Book / Page	2808 / 184
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOKE TX
Recording Date	Sep 11, 2026
Property Address	1109 N HOWETH ST, GAINESVILLE, TX 76240-2925
Document Number	0000006918
Book / Page	2808 / 184
Instrument Date	Sep 4, 2026
Instrument	20266918
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	HOWETH TITLE COMPANY, HOWETH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 N HOWETH ST, GAINESVILLE, TX 76240-2925

Mortgage

Document Number	0000006919,
Date	Sep 11, 2026
Book Page	2808/188
Instrument	20266919

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000006920,
Date	Sep 11, 2026
Book Page	2808/210
Instrument	20266920

Lender

Name	TEXAS STATE AFFORDABLE HSNG COMPANY

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Sep 4, 2029

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Cooke County assessment roll, as of June 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,261.00 (+74.95%) Homeowner's exemption	$155,896 (-) Land $44,859 Building $111,037	$155,896 (-) Land $44,859 Building $111,037
2025	$1,864.00 (-21.91%) Homeowner's exemption	$155,896 (+50.92%) Land $44,859 Building $111,037	$155,896 (+13.89%) Land $44,859 Building $111,037
2024	$2,387.00 (+45.99%)
2023		$103,300 Land $44,914 Building $91,966	$136,880 Land $44,914 Building $91,966
2022	$1,635.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Claims	2 (1992–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 510 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
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Element8.

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