1208 S Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 1208 S Howeth St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,895 sqft · built 2022
Lot Size	1.03 acres (44,954 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,294 (Feb 2023)
Tax Bill	$6,513 (2026)
Deeds & Mortgages	Feb 2023 Second Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2646-00A-00001`

Property Details

APN / Parcel Number

Primary APN	`2646-00A-00001`
Alternative APNs	`1033-033-00000` `19146`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,895 sqft Living Area
1st Floor Area	1,925 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	44,954 sqft (1.03 acres)
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2646-00A-00001
Street Address	1208 S HOWETH ST
City	GAINESVILLE
State	TX
Zip	76240-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PNG HOMES ADDN 2646 BLOCK A TRACT 1 ACRES 1.032
Legal Subdivision	PNG HOMES ADDN
Legal Tract	1
Legal Block	A
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3005
Census Tract	1100

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	1208 S HOWETH ST, GAINESVILLE, TX 76240-5908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NBH BANK NA
Feb 21, 2023	Deed of Trust, Mortgage · FHA Mortgage NBH BANK NA
Feb 21, 2023	Vendor's Lien, Transfer · Stand-Alone First Mortgage NBH BANK NA
Oct 7, 2022	Vendor's Lien, Transfer · Stand-Alone First Mortgage CEASONS HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Oct 7, 2022 · Amount on Record
Deed Document Number	20231041
Deed Book / Page	2563 / 198
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1208 S HOWETH ST, GAINESVILLE, TX 76240-5908
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 N HOWETH ST, GAINESVILLE, TX 76240-2928

Mortgage

Document Number	002563/202
Date	Feb 21, 2023
Book Page	2563/202
Instrument	2023-1042

Lender

Name	NBH BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Feb 11, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1208 S HOWETH ST, GAINESVILLE, TX 76240-5908
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002563/214
Date	Feb 21, 2023
Book Page	2563/214
Instrument	2023-1043

Lender

Name	NBH BANK NA
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 21, 2023
Property Address	1208 S HOWETH ST, GAINESVILLE, TX 76240-5908
Document Number	002563/198
Book / Page	2563 / 198
Map Reference	VOL 2518 PG 666
Instrument Date	Feb 17, 2023
Instrument	2023-1041
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	GAINESVILLE TITLE COMPANY INC, GAINESVILLE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	181 EDGEWOOD TERRACE DR, DENISON, TX 75020-8200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 N HOWETH ST, GAINESVILLE, TX 76240-2928

Mortgage

Date	Feb 21, 2023

Lender

Name	NBH BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Oct 7, 2022
Property Address	1208 S HOWETH ST, GAINESVILLE, TX 76240-5908
Document Number	002541/155
Book / Page	2541 / 155
Instrument Date	Oct 6, 2022
Instrument	2022-8341
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	INDEPENDENCE 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 S HOWETH ST, GAINESVILLE, TX 76240-5908

Mortgage

Document Number	0020228342
Date	Oct 7, 2022
Instrument	2022-8342

Lender

Name	CEASONS HOLDINGS LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 7, 2023

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	$6,513.00 (+20.72%) Homeowner's exemption	$311,321 (-4.11%) Land $63,033 Building $248,288	$311,321 (-4.11%) Land $63,033 Building $248,288
2025	$5,395.00 (+1.93%) Homeowner's exemption	$324,669 (-2.76%) Land $63,033 Building $261,636	$324,669 (-2.76%) Land $63,033 Building $261,636
2024	$5,293.00 (+656.14%)
2023		$333,880 Land $46,371 Building $287,509	$333,880 Land $46,371 Building $287,509
2022	$700.00

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	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
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	Moderate above 42% of the US · lower than 84% of Texas
Wildfire Likelihood	0.09% 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 274 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: Element8.

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