1808 Mill St, Gainesville, TX 76240 Property Records

Cooke County property record for 1808 Mill St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,670 sqft · built 1950
Lot Size	0.193 acres (8,398 sqft)
Owner	Individual Name on Record
Tax Bill	$4,157 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit Apr 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2030-009-00005`

Property Details

APN / Parcel Number

Primary APN	`2030-009-00005`
Alternative APN	`8510`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,670 sqft Living Area
Gross Area	2,815 sqft
1st Floor Area	1,670 sqft
Attic	Attic
Attic Area	544 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2010
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,398 sqft (0.193 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	68 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2030-009-00005
Street Address	1808 MILL ST
City	GAINESVILLE
State	TX
Zip	76240-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEREND; BLOCK 9; LOT 5 & N 5' OF LT 4
Legal Subdivision	BEREND
Legal Block	9
Legal Lot Number	5
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2014
Census Tract	500

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	Individual Name on Record
Mailing Address	1808 MILL ST, GAINESVILLE, TX 76240-2133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2019	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Apr 22, 2020	Warranty Deed, Transfer
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2020
Deed Sale	Apr 22, 2020
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	20202782
Deed Book / Page	2325 / 19
Prior Transfer Date	Sep 28, 2006
Prior Transfer Doc	1461/395
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	1808 MILL ST, GAINESVILLE, TX 76240-2133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2249/428
Date	Mar 27, 2019
Book Page	2249/428
Instrument	00090757

Lender

Name	COGENT BANK
Type	Bank
Address	COLLEYVILLE, TX 76034

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Apr 22, 2020
Property Address	1808 MILL ST, GAINESVILLE, TX 76240-2133
Document Number	2325/19
Book / Page	2325 / 19
Map Reference	CAB B SL 88
Instrument Date	Apr 15, 2020
Instrument	2020-02782
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	1255 PONTIAC AVE, CLOVIS, CA 93612-5821

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Oct 15, 2019
Property Address	1808 MILL ST, GAINESVILLE, TX 76240-2133
Document Number	2290/726
Book / Page	2290 / 726
Map Reference	CAB B SL 88
Instrument Date	Oct 11, 2019
Instrument	2019-96125
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	NOT AVAILABLE, TEXAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2616 HEREFORD RD, 2616, DENTON, TX 76210-0328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2616 HEREFORD RD, DENTON, TX 76210-0328

Mortgage

Document Number	201996126
Date	Oct 15, 2019
Instrument	2019-96126

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Margin	6
Max Rate	10.7%

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	$4,157.00 (+173.13%) Homeowner's exemption Senior Citizen's exemption	$198,685 (+5.05%) Land $30,828 Building $167,857	$198,685 (-) Land $30,828 Building $167,857
2025	$1,522.00 (-3.61%) Homeowner's exemption Senior Citizen's exemption	$189,132 (+21%) Land $30,828 Building $167,857	$198,685 (+10.83%) Land $30,828 Building $167,857
2024	$1,579.00 (-35.68%)
2023		$156,307 Land $30,828 Building $148,444	$179,272 Land $30,828 Building $148,444
2022	$2,455.00

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	2 in force
Nearby Flood Claims	3 (1989–2007)
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, Apr 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 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.02% 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 211 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: AT&T, Element8.

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