1310 N Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 1310 N Howeth St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,314 sqft · built 1950
Lot Size	0.25 acres (10,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,407 (Sep 2023)
Tax Bill	$4,343 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2385-010-00004`

Property Details

APN / Parcel Number

Primary APN	`2385-010-00004`
Alternative APN	`14383`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,314 sqft Living Area
Gross Area	2,630 sqft
1st Floor Area	1,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,877 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	355 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2385-010-00004
Street Address	1310 N HOWETH ST
City	GAINESVILLE
State	TX
Zip	76240-2930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ADDN; BLOCK 10; LOT 4
Legal Subdivision	HILLCREST ADDN
Legal Block	10
Legal Lot Number	4
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2025
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	1310 N HOWETH ST, GAINESVILLE, TX 76240-2930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 1, 2023	Vendor's Lien, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Deed Document Number	20235860
Deed Book / Page	2599 / 435
Prior Transfer Date	Jan 12, 2010
Prior Transfer Doc	0000062589
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1310 N HOWETH ST, GAINESVILLE, TX 76240-2930
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 N HOWETH ST, GAINESVILLE, TX 76240-2930

Mortgage

Document Number	002736/166
Date	Sep 24, 2025
Book Page	2736/166
Instrument	2025-6760

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2053

September 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Sep 1, 2023
Property Address	1310 N HOWETH ST, GAINESVILLE, TX 76240-2930
Document Number	002599/435
Book / Page	2599 / 435
Map Reference	CAB B SL 95
Instrument Date	Aug 31, 2023
Instrument	2023-5860
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1255 COUNTY ROAD 260, GAINESVILLE, TX 76240-6356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 N HOWETH ST, GAINESVILLE, TX 76240-2930

Mortgage

Document Number	0000005861
Date	Sep 1, 2023
Instrument	5861

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

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	$4,343.00 (+47.42%) Homeowner's exemption	$207,596 (-) Land $44,859 Building $162,737	$207,596 (-) Land $44,859 Building $162,737
2025	$2,946.00 (+0.92%) Homeowner's exemption	$207,596 (+28.9%) Land $44,859 Building $162,737	$207,596 (+8.35%) Land $44,859 Building $162,737
2024	$2,919.00 (+93.82%)
2023		$161,049 Land $44,914 Building $146,675	$191,589 Land $44,914 Building $146,675
2022	$1,506.00

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 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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