1607 Roy St, Gainesville, TX 76240 Property Records

Cooke County property record for 1607 Roy St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,404 sqft · built 1963
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Tax Bill	$3,151 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2280-004-00013`

Property Details

APN / Parcel Number

Primary APN	`2280-004-00013`
Alternative APN	`6378`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,404 sqft Living Area
Gross Area	2,001 sqft
1st Floor Area	1,404 sqft
Flooring	Laminate Plank

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Carport
Garage Area	275 sqft
Carport	Carport
Carport Area	275 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	190 sqft
Storage Building	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2280-004-00013
Street Address	1607 ROY ST
City	GAINESVILLE
State	TX
Zip	76240-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRGROUNDS ADDN; BLOCK 4; LOT 13 E 24' & W 26' OF LOT 12
Legal Subdivision	FAIRGROUNDS ADDN
Legal Block	4
Legal Lot Number	13
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3027
Census Tract	600

Owner

Source: Cooke County assessment roll, as of June 2, 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 File
Mailing Address	PO BOX 690, MUENSTER, TX 76252-0690
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK
Jul 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 16, 2012
Deed Sale	Oct 16, 2012
Deed Document Number	201232395
Deed Book / Page	1832 / 87
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1607 ROY ST, GAINESVILLE, TX 76240-4443
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002524/759
Date	Jul 13, 2022
Book Page	2524/759
Instrument	2022-6106

Lender

Name	FIRST STATE BANK
Type	Bank
Address	GAINESVILLE, TX 76241

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1607 ROY ST, GAINESVILLE, TX 76240-4443
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002524/778
Date	Jul 13, 2022
Book Page	2524/778
Instrument	2022-6108

Lender

Name	FIRST STATE BANK
Type	Bank
Address	GAINESVILLE, TX 76241

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 7, 2029

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
2025	$3,151.00 (+10.37%)	$150,652 (+5.74%) Land $30,525 Building $120,127	$150,652 (+5.74%) Land $30,525 Building $120,127
2024	$2,855.00 (+7.94%)
2023		$142,468 Land $27,750 Building $114,718	$142,468 Land $27,750 Building $114,718
2022	$2,645.00

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	1 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	Low lower than 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Fiber	2,000 / 2,000
Optimum Communications Cable	940 / 35
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Element8 Technology Investment Group.

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