1706 E Garnett St, Gainesville, TX 76240 Property Records

Cooke County property record for 1706 E Garnett St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,792 sqft · built 1950
Lot Size	0.239 acres (10,424 sqft)
Owner	Company Name on File
Last Sale	$284,221 (Jan 2026)
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`2405-006-00003`

Property Details

APN / Parcel Number

Primary APN	`2405-006-00003`
Alternative APN	`3928`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,792 sqft Living Area
Gross Area	2,406 sqft
1st Floor Area	1,555 sqft
Flooring	Ceramic Tile

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	10,424 sqft (0.239 acres)
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	458 sqft
Deck Area	357 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2405-006-00003
Street Address	1706 E GARNETT ST
City	GAINESVILLE
State	TX
Zip	76240-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOY ACRES; BLOCK 6; LOT 3
Legal Subdivision	JOY ACRES
Legal Block	6
Legal Lot Number	3
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2024
Census Tract	1100

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	Company Name on File
Mailing Address	409 DEAL LN, FORT WORTH, TX 76109
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST FINANCIAL BANK NA
Jan 6, 2026	Vendor's Lien, Transfer · Commercial Mortgage KIAVI FUNDING INC
Jun 10, 2024	Special Warranty Deed, Transfer · Stand-Alone First Mortgage AMBASSADOR PHYSICIAN GROUP LLC
Apr 29, 2022	Vendor's Lien, Transfer · Stand-Alone First Mortgage 2600 VENTURES LLC
Oct 22, 2019	Warranty Deed, Transfer · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC
Aug 15, 2012	Special Warranty Deed, Foreclosure
Jan 9, 2012	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Prior Sale	Jun 10, 2024
Deed Document Number	202687
Deed Book / Page	2757 / 384
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Transaction Type	Mortgage
Record Updated	May 19, 2026
Title Company	WHITE COUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002380/495
Date	Dec 2, 2020
Book Page	2380/495
Instrument	9814

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	DECATUR, TX 76234

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 30, 2040

Interest

Rate Type	Adjustable Rate

January 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jan 6, 2026
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Document Number	002757/384
Book / Page	2757 / 384
Map Reference	CAB B SL 101
Instrument Date	Dec 19, 2025
Instrument	2026-87
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	FORT BEND TITLE COMPANY, FORT WORTH TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ONEAL LN, JACKSBORO, TX 76458-4096

Mortgage

Document Number	0000202686
Date	Jan 6, 2026
Instrument	2026-86

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jun 10, 2024
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Document Number	002648/349
Book / Page	2648 / 349
Instrument Date	May 31, 2024
Instrument	2024-3793
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	FORT BEND TITLE COMPANY, FORT WORTH TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7251 VALLEY DALE CT, BENBROOK, TX 76116-9218

Mortgage

Document Number	0020243794
Date	Jun 10, 2024
Instrument	2024-3794

Lender

Name	AMBASSADOR PHYSICIAN GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Oct 4, 2024

April 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Apr 29, 2022
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Document Number	002506/693
Book / Page	2506 / 693
Map Reference	CAB B SL 101
Instrument Date	Apr 29, 2022
Instrument	2022-3810
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	UNKNOWN, ATD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7251 VALLEY DALE CT, BENBROOK, TX 76116-9218
Investor	Possibly a Property Investor

Mortgage

Document Number	0020223811
Date	Apr 29, 2022
Instrument	2022-3811

Lender

Name	2600 VENTURES LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2023

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Oct 22, 2019
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Document Number	002292/148
Book / Page	2292 / 148
Map Reference	CAB B SL 101
Instrument Date	Oct 4, 2019
Instrument	2019-96305
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	UNKNOWN, MB TEXAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 REATTA RD, BOWIE, TX 76230-2126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2721 OLD DECATUR RD, DECATUR, TX 76234-6416

Mortgage

Document Number	0201996306
Date	Oct 22, 2019
Instrument	2019-96306

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2020

August 2012: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Aug 15, 2012
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Document Number	001820/690
Book / Page	1820 / 690
Map Reference	CAB B SL101
Instrument Date	Jan 16, 2012
Instrument	00030719
Transaction Type	Foreclosure
Record Updated	Jan 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3476 STATEVIEW BLVD, FORT MILL, SC 29715-7203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 ROGERS PKY, OKLAHOMA CITY, OK 73108
Investor	Possibly a Property Investor

January 2012: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	COOKE TX
Recording Date	Jan 9, 2012
Property Address	1706 E GARNETT ST, GAINESVILLE, TX 76240-5105
Document Number	001783/010
Book / Page	1783 / 010
Map Reference	CAB B SL101
Instrument Date	Jan 3, 2012
Instrument	00025178
Transaction Type	Foreclosure
Record Updated	Jan 30, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 STATEVIEW BLVD, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

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	$5,472.00 (+10.37%)	$261,598 (+15.66%) Land $52,929 Building $208,669	$261,598 (+15.66%) Land $52,929 Building $208,669
2024	$4,958.00 (+34.04%)
2023		$226,169 Land $48,059 Building $178,110	$226,169 Land $48,059 Building $178,110
2022	$3,699.00

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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