2004 O'Neal St, Gainesville, TX 76240 Property Records

Cooke County property record for 2004 O'Neal St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,275 sqft · built 1973
Lot Size	0.315 acres (13,717 sqft)
Owner	Individual Name on Record
Last Sale	$385,900 (Apr 2021)
Tax Bill	$8,174 (2026)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2385-031-00002`

Property Details

APN / Parcel Number

Primary APN	`2385-031-00002`
Alternative APN	`8243`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,275 sqft Living Area
Gross Area	4,339 sqft
1st Floor Area	2,275 sqft
Office	Office
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	13,717 sqft (0.315 acres)
Garage Area	720 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2385-031-00002
Street Address	2004 ONEAL ST
City	GAINESVILLE
State	TX
Zip	76240-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ADDN; BLOCK 31; LOT 2
Legal Subdivision	HILLCREST ADDN
Legal Block	31
Legal Lot Number	2
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	1
Census Block	1011
Census Tract	600

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	2004 ONEAL ST, GAINESVILLE, TX 76240-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Prior Sale	Jul 14, 2020 · Amount on Record
Deed Document Number	20213579
Deed Book / Page	2414 / 706
Prior Transfer Date	Apr 27, 2021
Prior Transfer Doc	2414/706
Record Updated	Oct 29, 2026

April 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Apr 28, 2021
Property Address	2004 ONEAL ST, GAINESVILLE, TX 76240-3716
Document Number	2414/706
Book / Page	2414 / 706
Map Reference	VOL 5 PG 13
Instrument Date	Apr 27, 2021
Instrument	2021-03579
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 ONEAL ST, GAINESVILLE, TX 76240-3716

Mortgage

Document Number	202103580
Date	Apr 28, 2021
Instrument	2021-03580

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$8,174.00 (+11.5%) Homeowner's exemption	$390,695 (-6.36%) Land $55,718 Building $334,977	$390,695 (-6.36%) Land $55,718 Building $334,977
2025	$7,331.00 (+4.03%) Homeowner's exemption	$417,211 (+3.18%) Land $55,718 Building $361,493	$417,211 (+3.18%) Land $55,718 Building $361,493
2024	$7,047.00 (-7.23%)
2023		$404,334 Land $55,683 Building $348,651	$404,334 Land $55,683 Building $348,651
2022	$7,596.00

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	5 in force
Nearby Flood Claims	4 (1988–2015)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds 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

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	0.01% 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 189 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ElektraFi, Element8.

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