1804 Silver Oak Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 1804 Silver Oak Dr, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,753 sqft · built 2017
Lot Size	0.126 acres (5,502 sqft)
Owner	Individual Name on File
Last Sale	$288,610 (Feb 2023)
Tax Bill	$6,306 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2824-004-00016`

Property Details

APN / Parcel Number

Primary APN	`2824-004-00016`
Alternative APN	`76821`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,753 sqft Living Area
Gross Area	2,571 sqft
1st Floor Area	1,457 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,502 sqft (0.126 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2824-004-00016
Street Address	1804 SILVER OAK DR
City	GAINESVILLE
State	TX
Zip	76240-5951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINTAGE SQUARE; BLOCK 4; LOT 16
Legal Subdivision	VINTAGE SQUARE
Legal Block	4
Legal Lot Number	16
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3002
Census Tract	1100

Owner

1804 Silver Oak Dr is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1804 SILVER OAK DR, GAINESVILLE, TX 76240-5951
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Vendor's Lien, Transfer · Conventional Mortgage UMORTGAGE LLC
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage DATCU CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2023 · Amount on File
Deed Sale	Feb 7, 2023 · Amount on File
Deed Document Number	2023759
Deed Book / Page	2561 / 48
Record Updated	Oct 29, 2026

February 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 7, 2023
Property Address	1804 SILVER OAK DR, GAINESVILLE, TX 76240-5951
Document Number	0002561/48
Book / Page	2561 / 48
Map Reference	CAB B SL 238
Instrument Date	Jan 30, 2023
Instrument	759
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 SILVER OAK DR, GAINESVILLE, TX 76240-5951

Mortgage

Document Number	0000000760
Date	Feb 7, 2023
Instrument	760

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1804 SILVER OAK DR, GAINESVILLE, TX 76240-5951
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2402/286
Date	Mar 10, 2021
Book Page	2402/286
Instrument	2021-01960

Lender

Name	DATCU CU
Type	Credit Union
Address	DENTON, TX 76210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1804 Silver Oak Dr was $6,306 with a homeowner's exemption, up 28.5% from the year before.

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	$6,306.00 (+28.48%) Homeowner's exemption	$301,409 (-) Land $49,500 Building $251,909	$301,409 (-) Land $49,500 Building $251,909
2025	$4,908.00 (-3.86%) Homeowner's exemption	$301,409 Land $49,500 Building $251,909	$301,409 Land $49,500 Building $251,909
2024	$5,105.00
2023		$234,881 Land $45,000 Building $265,806	$310,806 Land $45,000 Building $265,806
2022	$4,239.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1804 Silver Oak Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 1804 Silver Oak Dr is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 53% of Texas
Wildfire Likelihood	0.2% 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 274 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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