1438 Co Rd 407, Gainesville, TX 76240 Property Records

Cooke County property record for 1438 Co Rd 407, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2,100 sqft · built 2018
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,199 (2026)
Deeds & Mortgages	Jul 2018 Construction Loan Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0523-009-00002`

Property Details

APN / Parcel Number

Primary APN	`0523-009-00002`
Alternative APN	`6829`

Interior

Building Area	2,100 sqft Living Area
Gross Area	6,871 sqft
1st Floor Area	2,100 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	74,052 sqft (1.7 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	536 sqft
Deck Area	221 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	0523-009-00002
Street Address	1438 COUNTY ROAD 407
City	GAINESVILLE
State	TX
Zip	76240-1390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JESSUP T 0523 ACRES 1.7
Legal Subdivision	JESSUP T
Jurisdiction	COOKE TX
Township / Civil Division	MUENSTER
Census Block Group	2
Census Block	2176
Census Tract	200

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	1438 COUNTY ROAD 407, GAINESVILLE, TX 76240-1390
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2018	Deed of Trust, Mortgage · Construction Mortgage LLOYD REITHER
Aug 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Mar 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Mar 14, 2019	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 13, 2018
Transfer Doc	0000084773
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1438 COUNTY ROAD 407, GAINESVILLE, TX 76240-1390
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2206/125
Date	Jul 19, 2018
Book Page	2206/125
Instrument	00084775

Lender

Name	LLOYD REITHER
Address	GAINESVILLE, TX 76240

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1438 COUNTY ROAD 407, GAINESVILLE, TX 76240-1390
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2352/179
Date	Aug 11, 2020
Book Page	2352/179
Instrument	6225

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1438 COUNTY ROAD 407, GAINESVILLE, TX 76240-1390
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2250/085
Date	Mar 29, 2019
Book Page	2250/085
Instrument	00090829

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

March 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	COOKE TX
Recording Date	Mar 14, 2019
Property Address	1438 COUNTY ROAD 407, GAINESVILLE, TX 76240-1390
Document Number	002246/547
Book / Page	2246 / 547
Instrument Date	Mar 12, 2019
Instrument	00090347
Record Updated	Nov 14, 2023

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Unified School District	Lindsay Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,199.00 (+26.36%) Homeowner's exemption	$629,341 (+6.98%)	$635,285 (-) Land $97,050 Building $538,235
2025	$7,280.00 (+3.94%) Homeowner's exemption	$588,253 (+14.7%) Land $97,050 Building $538,235	$635,285 (+7.95%) Land $97,050 Building $538,235
2024	$7,004.00 (+9.92%)
2023		$512,860 Land $62,150 Building $526,336	$588,486 Land $62,150 Building $526,336
2022	$6,372.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2009–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 claims

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 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 LINDSAY serves 1,050 people · EPA ID TX0490003
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
ElektraFi Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
Plains Internet Fixed Wireless	25 / 3

May also be available: AT&T.

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