1320 S Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 1320 S Howeth St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,009 sqft · built 1980
Lot Size	0.258 acres (11,252 sqft)
Owner	Individual Name on Record
Last Sale	$172,900 (Oct 2022)
Tax Bill	$3,607 (2026)
Deeds & Mortgages	Oct 2022 Construction Loan Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`2085-001-00006`

Property Details

APN / Parcel Number

Primary APN	`2085-001-00006`
Alternative APN	`2420`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,009 sqft Living Area
Gross Area	2,153 sqft
1st Floor Area	1,009 sqft
Flooring	Carpet

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	11,252 sqft (0.258 acres)
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	39 sqft
Deck Area	160 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2085-001-00006
Street Address	1320 S HOWETH ST
City	GAINESVILLE
State	TX
Zip	76240-5910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRYANT; BLOCK 1; LOT 6
Legal Subdivision	BRYANT
Legal Block	1
Legal Lot Number	6
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3012
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	Individual Name on Record
Mailing Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Vendor's Lien, Transfer · Construction Mortgage FIRST STATE BANK
Jun 30, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	May 14, 2007 · Amount on Record
Deed Document Number	20228946
Deed Book / Page	2545 / 405
Record Updated	Oct 29, 2026

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Oct 31, 2022
Property Address	1320 S HOWETH ST, GAINESVILLE, TX 76240-5910
Document Number	002545/405
Book / Page	2545 / 405
Map Reference	CAB A SL 310T
Instrument Date	Oct 27, 2022
Instrument	2022-8946
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 S DENTON ST, GAINESVILLE, TX 76240-4828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Investor	Possibly a Property Investor

Mortgage

Document Number	0020228947
Date	Oct 31, 2022
Instrument	2022-8947

Lender

Name	FIRST STATE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	7.62%
Max Rate At Change	10.6%
Index	5-Year TN
Max Rate	18%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jun 30, 2022
Property Address	1320 S HOWETH ST, GAINESVILLE, TX 76240-5910
Document Number	002522/140
Book / Page	2522 / 140
Map Reference	CAB A SL 310
Instrument Date	Jun 30, 2022
Instrument	2022-5728
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1320 S HOWETH ST, GAINESVILLE, TX 76240-5910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 S DENTON ST, GAINESVILLE, TX 76240-4828

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	$3,607.00 (+104.71%) Homeowner's exemption Disabled Person's exemption	$172,419 (-) Land $43,578 Building $128,841	$172,419 (-) Land $43,578 Building $128,841
2025	$1,762.00 (-26.83%) Homeowner's exemption	$172,419 (+1.77%) Land $43,578 Building $128,841	$172,419 (+1.77%) Land $43,578 Building $128,841
2024	$2,408.00 (+1.35%)
2023		$169,421 Land $39,600 Building $129,821	$169,421 Land $39,600 Building $129,821
2022	$2,376.00

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 64% of the US · above 49% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 187 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: AT&T, Element8.

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