195 Pecan Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 195 Pecan Dr, Gainesville, TX 76240

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,800 sqft · built 2003
Lot Size	0.362 acres (15,764 sqft)
Owner	Individual Name on Record
Tax Bill	$1,687 (2026)
Deeds & Mortgages	Apr 2011 Mortgage Jul 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7712-002-00021-MHL`

Property Details

APN / Parcel Number

Primary APN	`7712-002-00021-MHL`
Alternative APN	`7460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,800 sqft Living Area
Gross Area	2,088 sqft
1st Floor Area	1,800 sqft
Utility Room	Utility Room
Flooring	Laminate Plank

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Exterior Material	Siding
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	15,764 sqft (0.362 acres)
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7712-002-00021-MHL
Street Address	195 PECAN DR
City	GAINESVILLE
State	TX
Zip	76240-6658
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	WHISPERING HILLS; LOT 21 & PT OF 22; SEC 2 SERIAL #50201186; MH LABEL# PFS0786223 CANCELLED TO REAL / PFS0786224
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	21,22
Jurisdiction	COOKE TX
Township / Civil Division	MUENSTER
Census Block Group	2
Census Block	2064
Census Tract	200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	866 COUNTY ROAD 142, WHITESBORO, TX 76273-4817
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2011	Deed of Trust, Mortgage · Conventional Mortgage CIS FINANCIAL SERVICES INC
Jul 23, 2012	Deed of Trust, Mortgage FIRST STATE BANK
Jan 7, 2026	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	195 PECAN DR, GAINESVILLE, TX 76240-6658
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001740/067
Date	Apr 7, 2011
Book Page	1740/067
Instrument	00018733

Lender

Name	CIS FINANCIAL SERVICES INC
Type	Non-Lending Institution
Address	HAMILTON, AL 35570

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	265 Months
Due	May 1, 2033

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	195 PECAN DR, GAINESVILLE, TX 76240-6658
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001816/339
Date	Jul 23, 2012
Book Page	1816/339
Instrument	00030104

Lender

Name	FIRST STATE BANK
Type	Bank
Address	GAINESVILLE, TX 76241

Agreement

Amount	Amount Recorded

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOKE TX
Recording Date	Jan 7, 2026
Property Address	195 PECAN DR, GAINESVILLE, TX 76240-6658
Document Number	002757/581
Book / Page	2757 / 581
Instrument Date	Jan 5, 2026
Instrument	2026-115
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	866 COUNTY ROAD 142, WHITESBORO, TX 76273-4817

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	866 COUNTY ROAD 142, WHITESBORO, TX 76273-4817

Tax Assessment & Valuation

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Unified School District	Sivells Bend Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,687.00 (+20.07%)	$142,288 (+2%)	$147,317 (+24.24%) Land $91,272 Building $56,045
2025	$1,405.00 (+1.44%)	$118,573 (+7.02%) Land $62,528 Building $56,045	$118,573 (+7.02%) Land $62,528 Building $56,045
2024	$1,385.00 (-9.71%)
2023		$110,795 Land $57,342 Building $53,453	$110,795 Land $57,342 Building $53,453
2022	$1,534.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2009–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 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	Moderate above 63% of the US · above 49% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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