1220 Belmont St, Gainesville, TX 76240 Property Records

Cooke County property record for 1220 Belmont St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,270 sqft · built 1950
Lot Size	0.25 acres (10,877 sqft)
Owner	2 Individual Names on File
Last Sale	$151,300 (Jun 2021)
Tax Bill	$4,700 (2026)
Deeds & Mortgages	Nov 2025 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2385-017-00001`

Property Details

APN / Parcel Number

Primary APN	`2385-017-00001`
Alternative APN	`17642`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,270 sqft Living Area
Gross Area	2,468 sqft
1st Floor Area	1,270 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	10,877 sqft (0.25 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	418 sqft
Storage Building	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2385-017-00001
Street Address	1220 BELMONT ST
City	GAINESVILLE
State	TX
Zip	76240-2904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ADDN; BLOCK 17; LOT 1; ACRES .2497
Legal Subdivision	HILLCREST ADDN
Legal Block	17
Legal Lot Number	1
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2030
Census Tract	600

Owner

1220 Belmont St is owned and occupied by two individuals who bought it in June 2021.

Source: Cooke County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NASCOGA FCU
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NASCOGA FCU
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NASCOGA FCU
Jun 4, 2021	Vendor's Lien, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Deed Document Number	20214686
Deed Book / Page	2423 / 547
Prior Transfer Date	Jun 2, 2021
Prior Transfer Doc	2423/547
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904

Mortgage

Document Number	002747/307
Date	Nov 17, 2025
Book Page	2747/307
Instrument	2025-8327

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	308 Months
Due	Jul 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002420/83
Date	May 21, 2021
Book Page	2420/83
Instrument	2021-4263

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	171 Months
Due	Aug 1, 2035

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2423/245
Date	Jun 3, 2021
Book Page	2423/245
Instrument	4646

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	170 Months
Due	Aug 1, 2035

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2420/97
Date	May 21, 2021
Book Page	2420/97
Instrument	4263

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	171 Months
Due	Aug 1, 2035

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jun 4, 2021
Property Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904
Document Number	2423/547
Book / Page	2423 / 547
Map Reference	CAB B SL 97
Instrument Date	Jun 2, 2021
Instrument	4686
Transaction Type	Transfer
Record Updated	Jul 15, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1219 BELMONT ST, 1219, GAINESVILLE, TX 76240-2903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 BELMONT ST, GAINESVILLE, TX 76240-2904

Mortgage

Document Number	4687
Date	Jun 4, 2021
Instrument	4687

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1220 Belmont St was $4,700, up % from the year before.

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	$4,700.00 (+0.02%)	$224,634 (-) Land $44,859 Building $179,775	$224,634 (-) Land $44,859 Building $179,775
2025	$4,699.00 (+10.36%)	$224,634 Land $44,859 Building $179,775	$224,634 Land $44,859 Building $179,775
2024	$4,258.00
2023		$203,535 Land $44,914 Building $158,621	$203,535 Land $44,914 Building $158,621
2022	$4,187.00

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

Flood

FEMA maps place 1220 Belmont St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1992.

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

Wildfire risk around 1220 Belmont 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.

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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