1700 Morningside Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 1700 Morningside Dr, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1960
Lot Size	0.224 acres (9,749 sqft)
Owner	2 Individual Names on File
Last Sale	$322,126 (Feb 2023)
Tax Bill	$5,472 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`2405-008-00031`

Property Details

APN / Parcel Number

Primary APN	`2405-008-00031`
Alternative APN	`12125`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,574 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	1,574 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,749 sqft (0.224 acres)
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	150 sqft
Porch	Slab
Porch Area	87 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2405-008-00031
Street Address	1700 MORNINGSIDE DR
City	GAINESVILLE
State	TX
Zip	76240-5146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOY ACRES; BLOCK 8; LOT 31; ACRES .2238
Legal Subdivision	JOY ACRES
Legal Block	8
Legal Lot Number	31
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2019
Census Tract	1100

Owner

Source: Cooke County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 14, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage EVERETT FINANCIAL INC
Feb 14, 2023	Vendor's Lien, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Mar 26, 2019	Vendor's Lien, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 17, 2018	Warranty Deed, Construction Loan · Construction Mortgage MUENSTER STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2023 · Amount on File
Deed Sale	Feb 14, 2023 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Deed Document Number	2023905
Deed Book / Page	2652 / 146
Prior Transfer Date	Mar 25, 2019
Prior Transfer Doc	2249/189
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Recording Date	Apr 16, 2026
Property Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Document Number	0000002766
Book / Page	2777 / 77
Instrument Date	Apr 10, 2026
Instrument	20262766
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146

Mortgage

Document Number	0000002766,
Date	Apr 16, 2026
Book Page	2777/77
Instrument	20262766

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002390/387
Date	Jan 19, 2021
Book Page	2390/387
Instrument	2021-00416

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Jun 1, 2049

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146

Mortgage

Document Number	002562/165
Date	Feb 14, 2023
Book Page	2562/165
Instrument	907

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 13, 2028

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 14, 2023
Property Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Document Number	002562/146
Book / Page	2562 / 146
Instrument Date	Feb 13, 2023
Instrument	905
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	STEWART TITLE/CALDWELL, STC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4937 STUART RD TRLR 348, 348, DENTON, TX 76207-4224

Mortgage

Document Number	0000000906
Date	Feb 14, 2023
Instrument	906

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

March 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Mar 26, 2019
Property Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Document Number	2249/189
Book / Page	2249 / 189
Map Reference	CAB B SL 109
Instrument Date	Mar 25, 2019
Instrument	2019-90731
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146

Mortgage

Document Number	201990732
Date	Mar 26, 2019
Instrument	2019-90732

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

July 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jul 17, 2018
Property Address	1700 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Document Number	2205/578
Book / Page	2205 / 578
Map Reference	CAB B SL 109
Instrument Date	Jul 16, 2018
Instrument	00084721
Transaction Type	Construction Loan
Record Updated	Nov 9, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 COCOPA DR, 302, GAINESVILLE, TX 76240-9284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 NORTHSIDE DR, MUENSTER, TX 76252-6541

Mortgage

Document Number	00084722
Date	Jul 17, 2018
Instrument	00084722

Lender

Name	MUENSTER STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

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	$5,472.00 (+26.23%) Homeowner's exemption	$261,568 (-4.54%) Land $50,213 Building $211,355	$261,568 (-4.54%) Land $50,213 Building $211,355
2025	$4,335.00 (+0.02%) Homeowner's exemption	$274,001 (+10.06%) Land $50,213 Building $223,788	$274,001 (+10.06%) Land $50,213 Building $223,788
2024	$4,334.00 (-15.02%)
2023		$248,946 Land $45,630 Building $203,316	$248,946 Land $45,630 Building $203,316
2022	$5,100.00

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	6 in force
Nearby Flood Claims	14 (1990–2015)
Claims Outside the SFHA	7 of 14
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2007 · 4 claims Severe Storms, Tornadoes & Flooding, May 1990 · 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	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.04% 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 480 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

May also be available: Element8.

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