1208 Mill St, Gainesville, TX 76240 Property Records

Cooke County property record for 1208 Mill St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 912 sqft · built 1940
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Tax Bill	$2,870 (2026)
Deeds & Mortgages	Jul 2026 Sale Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2510-029-00005`

Property Details

APN / Parcel Number

Primary APN	`2510-029-00005`
Alternative APN	`6329`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	912 sqft Living Area
Gross Area	1,436 sqft
1st Floor Area	912 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	5,001 sqft (0.115 acres)

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	144 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2510-029-00005
Street Address	1208 MILL ST
City	GAINESVILLE
State	TX
Zip	76240-3025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTGOMERY ADDN; BLOCK 29; LOT 5-8 N 50'
Legal Subdivision	MONTGOMERY ADDN
Legal Block	29
Legal Lot Number	5-8
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2015
Census Tract	400

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	Individual Name on Record
Mailing Address	1208 MILL ST, GAINESVILLE, TX 76240-3025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 21, 2021	Deed of Trust, Mortgage UNION SQUARE FCU
Jul 19, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FNT
Jul 19, 2021	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026
Deed Sale	Jul 20, 2026
Prior Sale	Jul 19, 2021
Deed Document Number	20265387
Deed Book / Page	2797 / 269
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jul 20, 2026
Property Address	1208 MILL ST, GAINESVILLE, TX 76240-3025
Document Number	0000005387
Book / Page	2797 / 269
Instrument Date	Jul 15, 2026
Instrument	20265387
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 MILL ST, GAINESVILLE, TX 76240-3025

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1208 MILL ST, GAINESVILLE, TX 76240-3025
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4495 CHEVY CHASE LN, FRISCO, TX 75033-7142

Mortgage

Document Number	2459/286
Date	Oct 21, 2021
Book Page	2459/286
Instrument	2021-09234

Lender

Name	UNION SQUARE FCU
Type	Credit Union
Address	WICHITA FALLS, TX 76301

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 20, 2036

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jul 19, 2021
Property Address	1208 MILL ST, GAINESVILLE, TX 76240-3025
Document Number	2434/654
Book / Page	2434 / 654
Instrument Date	Jul 16, 2021
Instrument	2021-06140
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	FIDELITY NATIONAL TITLE, FNT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 CR 226, COLLINSVILLE, TX 76233

July 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jul 19, 2021
Property Address	1208 MILL ST, GAINESVILLE, TX 76240-3025
Document Number	2434/658
Book / Page	2434 / 658
Instrument Date	Jul 15, 2021
Instrument	2021-06141
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 MILL ST, GAINESVILLE, TX 76240-3025

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	$2,870.00 (+7.37%)	$137,187 (+7.37%) Land $22,450 Building $114,737	$137,187 (+7.37%) Land $22,450 Building $114,737
2025	$2,673.00 (+12.88%)	$127,775 (+22.68%) Land $22,450 Building $105,325	$127,775 (+22.68%) Land $22,450 Building $105,325
2024	$2,368.00 (+12.65%)
2023		$104,156 Land $18,700 Building $85,456	$104,156 Land $18,700 Building $85,456
2022	$2,102.00

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 Policies	1 in force
Nearby Flood Claims	3 (2007–2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 355 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

May also be available: AT&T, Element8.

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