Cooke County property record for 1312 Lawrence St, Gainesville, TX 76240
| Property Type | Bank, Financial Building |
|---|---|
| Details | 5,650 sqft · built 1996 |
| Lot Size | 2.33 acres (101,495 sqft) |
| Owner | Company Name on File |
| Tax Bill | $20,949 (2026) |
| Deeds & Mortgages | Aug 2022 Second Mortgage Feb 2021 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 0013-039-00001 |
| Primary APN | 0013-039-00001 |
|---|---|
| Alternative APN |
|
| Building Area | 5,650 sqft Total Area |
|---|
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 101,495 sqft (2.33 acres) |
| Canopy | 1,311 sqft |
| Account Number | 0013-039-00001 |
|---|---|
| Street Address | 1312 LAWRENCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-2797 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | ALEXANDER R 0013 |
| Legal Subdivision | ALEXANDER R |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 500 |
1312 Lawrence St, a commercial property, is owned by a company that acquired it in November 2019.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1312 LAWRENCE ST, GAINESVILLE, TX 76240-2797 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NASCOGA FCU |
| Feb 10, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 18, 2019 |
| Transfer Doc | 002396/671 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 1312 LAWRENCE ST, GAINESVILLE, TX 76240-2797 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002532/589 |
|---|---|
| Date | Aug 22, 2022 |
| Book Page | 2532/589 |
| Instrument | 2022-7174 |
| Name | NASCOGA FCU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, TX 76240 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 10, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Feb 10, 2021 |
| Property Address | 1312 LAWRENCE ST, GAINESVILLE, TX 76240-2797 |
| Document Number | 002396/671 |
| Book / Page | 2396 / 671 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 2021-01249 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1312 LAWRENCE ST, GAINESVILLE, TX 76240-2797 |
The 2026 property tax bill for 1312 Lawrence St was $20,949, up 2% from the year before.
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $20,949.00 (+2%) | $1,001,330 (+2%) | $1,103,175 (-) Land $586,100 Building $517,075 |
| 2025 | $17,457.00 (+32.48%) | $834,442 Land $586,100 Building $517,075 | $1,103,175 Land $586,100 Building $517,075 |
| 2024 | $13,177.00 | ||
| 2023 | $629,702 Land $121,794 Building $507,908 | $629,702 Land $121,794 Building $507,908 | |
| 2022 | $12,812.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1312 Lawrence St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 47 (1989–2020) |
| Claims Outside the SFHA | 5 of 47 |
| Most Recent Claim | Jan 2020 · other causes |
| Claims by Event |
|
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 risk around 1312 Lawrence St is low, with less than 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 95% of the US · lower than 97.6% of Texas |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 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 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Element8, Nextlink.
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