1706 Morningside Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 1706 Morningside Dr, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,661 sqft · built 1960
Lot Size	0.224 acres (9,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,800 (Oct 2019)
Tax Bill	$4,919 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2405-008-00029`

Property Details

APN / Parcel Number

Primary APN	`2405-008-00029`
Alternative APN	`4297`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,661 sqft Living Area
Gross Area	2,185 sqft
1st Floor Area	1,661 sqft
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
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	415 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2405-008-00029
Street Address	1706 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 29
Legal Subdivision	JOY ACRES
Legal Block	8
Legal Lot Number	29
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1706 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 29, 2019	Vendor's Lien, Transfer · FHA Mortgage GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2019 · Amount on Record
Deed Sale	Oct 29, 2019 · Amount on Record
Prior Sale	Mar 5, 2013 · Amount on Record
Deed Document Number	201996461
Deed Book / Page	2293 / 190
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1706 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1706 MOMINGSIDE DR, GAINESVILLE, TX 76240

Mortgage

Document Number	002500/782
Date	Apr 11, 2022
Book Page	2500/782
Instrument	2022-3092

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2052

October 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Oct 29, 2019
Property Address	1706 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146
Document Number	2293/190
Book / Page	2293 / 190
Map Reference	CAB B SL 109
Instrument Date	Oct 25, 2019
Instrument	00096461
Transaction Type	Transfer
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	920 KIOWA DR W, 920, LAKE KIOWA, TX 76240-9561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1706 MORNINGSIDE DR, GAINESVILLE, TX 76240-5146

Mortgage

Document Number	00096462
Date	Oct 29, 2019
Instrument	00096462

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$4,919.00 (+47.19%) Homeowner's exemption	$235,142 (+3.79%) Land $50,213 Building $184,929	$235,142 (-2.11%) Land $50,213 Building $184,929
2025	$3,342.00 (+9.79%) Homeowner's exemption	$226,557 (+21%) Land $50,213 Building $189,996	$240,209 (+10.09%) Land $50,213 Building $189,996
2024	$3,044.00 (-7.65%)
2023		$187,237 Land $45,630 Building $172,567	$218,197 Land $45,630 Building $172,567
2022	$3,296.00

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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