Cooke County property record for 130 Cayuga Trl, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,379 sqft · built 1997 |
| Lot Size | 0.31 acres (13,499 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $150,000 (Jun 2026) |
| Tax Bill | $6,484 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage May 2017 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7800-001-01251 |
| Primary APN | 7800-001-01251 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,379 sqft Living Area |
| Gross Area | 3,603 sqft |
| 1st Floor Area | 2,379 sqft |
| Sunroom | Sunroom |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 13,499 sqft (0.31 acres) |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 45 sqft |
| Deck Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 7800-001-01251 |
|---|---|
| Street Address | 130 CAYUGA TRL |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-9223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE KIOWA MAP 11; LOT 1251 |
| Legal Subdivision | LAKE KIOWA MAP 11 |
| Legal Lot Number | 1251 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE SOUTHEAST |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 701 |
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 Company Names on Record |
|---|---|
| Mailing Address | 6541 CROWN FOREST DR, PLANO, TX 75024-7489 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed, Transfer · Conventional Mortgage BAXTER CREDIT UNION |
| May 9, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHAEL E ERWIN ETUX |
| Aug 21, 2020 | Intrafamily Transfer, Transfer |
| May 2, 2017 | Vendor's Lien, Transfer MICHAEL ERWIN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on Record |
| Deed Sale | Jun 29, 2026 · Amount on Record |
| Prior Sale | May 2, 2017 · Amount on Record |
| Deed Document Number | 20264808 |
| Deed Book / Page | 2792 / 362 |
| Prior Transfer Date | Feb 19, 2025 |
| Prior Transfer Doc | 002695/353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Jun 29, 2026 |
| Property Address | 130 CAYUGA TRL, GAINESVILLE, TX 76240-9223 |
| Document Number | 0000004808 |
| Book / Page | 2792 / 362 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20264808 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | HOWETH TITLE COMPANY, HOWETH TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 6541 CROWN FOREST DR, PLANO, TX 75024-7489 |
| Document Number | 0000004809, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 20264809 |
| Name | BAXTER CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 130 CAYUGA TRL, LAKE KIOWA, TX 76240-9223 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2131/144 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 2131/144 |
| Instrument | 00074265 |
| Name | MICHAEL E ERWIN ETUX |
|---|---|
| Type | Private Party |
| Address | 6616 FM 902, GAINESVILLE, TX 76240 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Aug 21, 2020 |
| Property Address | 130 CAYUGA TRL, LAKE KIOWA, TX 76240-9223 |
| Document Number | 2354/717 |
| Book / Page | 2354 / 717 |
| Map Reference | VOL 4 PG 5 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 6563 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 CAYUGD TRAIL, LAKE KIOWA, TX 76240-9223 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | May 2, 2017 |
| Property Address | 130 CAYUGA TRL, LAKE KIOWA, TX 76240-9223 |
| Document Number | 2129/845 |
| Book / Page | 2129 / 845 |
| Map Reference | CAB B SL 183 |
| Instrument Date | May 1, 2017 |
| Instrument | 00074067 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1479, GAINESVILLE, TX 76241-1479 |
| Name | Verified Name |
|---|---|
| Address | 130 CAYUGA TRL, LAKE KIOWA, TX 76240-9223 |
| Document Number | 00074068 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 00074068 |
| Name | MICHAEL ERWIN |
|---|---|
| Type | Private Party |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Unified School District | Callisburg Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,484.00 (+250.87%) Homeowner's exemption Senior Citizen's exemption | $468,351 (+8.71%) Land $79,050 Building $389,301 | $468,351 (+0.81%) Land $79,050 Building $389,301 |
| 2025 | $1,848.00 (-26.26%) Homeowner's exemption Senior Citizen's exemption | $430,836 (+21%) Land $79,050 Building $385,521 | $464,571 (+5.29%) Land $79,050 Building $385,521 |
| 2024 | $2,506.00 (-36.22%) | ||
| 2023 | $356,063 Land $62,330 Building $378,892 | $441,222 Land $62,330 Building $378,892 | |
| 2022 | $3,929.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Nearby Flood Policies | 23 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 55% of Texas |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | LAKE KIOWA SUD serves 2,848 people · EPA ID TX0490016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Company Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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