Cooke County property record for 1909 Laurel Rd, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,448 sqft · built 1960 |
| Lot Size | 0.242 acres (10,524 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,571 (Oct 2022) |
| Tax Bill | $3,500 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2405-012-00009 |
| Primary APN | 2405-012-00009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,448 sqft Living Area |
| Gross Area | 2,045 sqft |
| 1st Floor Area | 1,448 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 10,524 sqft (0.242 acres) |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Account Number | 2405-012-00009 |
|---|---|
| Street Address | 1909 LAUREL RD |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-5117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOY ACRES; BLOCK 12; LOT 9 |
| Legal Subdivision | JOY ACRES |
| Legal Block | 12 |
| Legal Lot Number | 9 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1100 |
Source: Cooke County records · APN 2405-012-00009
Assessment roll updated June 2, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1909 LAUREL RD, GAINESVILLE, TX 76240-5117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2022 | Vendor's Lien, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jul 21, 2020 | Vendor's Lien, Transfer · Conventional Mortgage MORTGAGE FINANCIAL SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 10, 2022 · Amount on Record |
| Deed Sale | Oct 10, 2022 · Amount on Record |
| Prior Sale | Jul 21, 2020 · Amount on Record |
| Deed Document Number | 20228375 |
| Deed Book / Page | 2541 / 332 |
| Prior Transfer Date | Jul 16, 2020 |
| Prior Transfer Doc | 2346/580 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Oct 10, 2022 |
| Property Address | 1909 LAUREL RD, GAINESVILLE, TX 76240-5117 |
| Document Number | 002541/332 |
| Book / Page | 2541 / 332 |
| Map Reference | VOL 2 PG 29 |
| Instrument Date | Oct 04, 2022 |
| Instrument | 2022-8375 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1909 LAUREL RD, GAINESVILLE, TX 76240-5117 |
| Document Number | 0020228376 |
|---|---|
| Date | Oct 10, 2022 |
| Instrument | 2022-8376 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Jul 21, 2020 |
| Property Address | 1909 LAUREL RD, GAINESVILLE, TX 76240-5117 |
| Document Number | 2346/580 |
| Book / Page | 2346 / 580 |
| Map Reference | VOL 2 PG 29 |
| Instrument Date | Jul 16, 2020 |
| Instrument | 5526 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Title Company | HOWETH TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 358 COUNTY ROAD 152, 358, WHITESBORO, TX 76273-6952 |
| Name | Verified Name |
|---|---|
| Address | 1909 LAUREL RD, GAINESVILLE, TX 76240-5117 |
| Document Number | 5527 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 5527 |
| Name | MORTGAGE FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,500.00 (-2.15%) Homeowner's exemption | $234,102 (+8.07%) Land $43,816 Building $190,286 | $234,102 (+8.07%) Land $43,816 Building $190,286 |
| 2024 | $3,577.00 (-20.88%) | ||
| 2023 | $216,623 Land $43,784 Building $172,839 | $216,623 Land $43,784 Building $172,839 | |
| 2022 | $4,521.00 |
Source: FEMA National Flood Hazard Layer as of April 26, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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 |
|
| Wildfire Risk | Low lower than 63% of the US · lower than 88% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Fiber | 2,000 / 2,000 |
| Optimum Communications Cable | 940 / 35 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
May also be available: Element8 Technology Investment Group.
Based on FCC filings for 480 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF GAINESVILLE serves 18,107 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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