207 E Garnett St, Gainesville, TX 76240 Property Records

Cooke County property record for 207 E Garnett St, Gainesville, TX 76240 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,697 sqft · built 1920
Lot Size	0.243 acres (10,598 sqft)
Owner	2 Individual Names on File
Last Sale	$122,360 (Sep 2023)
Tax Bill	$3,737 (2025)
Deeds & Mortgages	Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2870-001-00001`

Property Details

APN / Parcel Number

Primary APN	`2870-001-00001`
Alternative APN	`4515`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,697 sqft Living Area
Gross Area	3,540 sqft
1st Floor Area	1,697 sqft
2nd Floor Area	540 sqft
Storm Shelter	Storm Shelter
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	10,598 sqft (0.243 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	372 sqft
Storage Building	342 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2870-001-00001
Street Address	207 E GARNETT ST
City	GAINESVILLE
State	TX
Zip	76240-5310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE & STAINFORTH; BLOCK 1; LOT 1-2
Legal Subdivision	WHITE & STAINFORTH
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	5
Census Block	5040
Census Tract	1100

Owner

Source: Cooke County records · APN 2870-001-00001

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	2 Individual Names on File
Mailing Address	611 S LINDSAY ST, GAINESVILLE, TX 76240-5336
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 21, 2023 · Amount on Record
Deed Sale	Sep 21, 2023 · Amount on Record
Deed Document Number	20236370
Deed Book / Page	2604 / 243
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	207 E GARNETT ST, GAINESVILLE, TX 76240-5310
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 S LINDSAY ST, GAINESVILLE, TX 76240-5336

Mortgage

Document Number	002604/248
Date	Sep 21, 2023
Book Page	2604/248
Instrument	2023-6371

Lender

Name	4U FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 20, 2038

Tax Assessment & Valuation

Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 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

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	$3,737.00 (+10.2%)	$178,665 (+10.68%) Land $57,392 Building $121,273	$178,665 (+10.68%) Land $57,392 Building $121,273
2024	$3,391.00 (+122.21%)
2023		$161,423 Land $47,788 Building $113,635	$161,423 Land $47,788 Building $113,635
2022	$1,526.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cooke County (48097C), updated April 26, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480970011005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 1 of 3 on primary residences
Nearby Flood Claims	26 (1981–2009)
Claims Outside the SFHA	11 of 26
Most Recent Claim	Apr 2009, river or lake flooding
Flood Events	Severe Storms, Tornadoes, And Flooding (Jun 2007), 12 claims Severe Storms, Tornadoes & Flooding (May 1990), 6 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.