2147 Chaparral Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 2147 Chaparral Dr, Gainesville, TX 76240 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,330 sqft · built 2000
Lot Size	0.304 acres (13,225 sqft)
Owner	2 Individual Names on File
Last Sale	$888,800 (Jul 2026)
Tax Bill	$8,885 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2006 Line of Credit + 5 more
Flood Zone	Zone A (high risk)
APN	`7712-006-00034`

Property Details

APN / Parcel Number

Primary APN	`7712-006-00034`
Alternative APN	`554`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,330 sqft Living Area
Gross Area	3,405 sqft
1st Floor Area	1,330 sqft
2nd Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	13,225 sqft (0.304 acres)

Exterior Amenities

Porch	Patio
Porch Area	686 sqft
Deck Area	56 sqft
Storage Building	232 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7712-006-00034
Street Address	2147 CHAPARRAL DR
City	GAINESVILLE
State	TX
Zip	76240-0516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS; LOT 34; SEC 6
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	34
Jurisdiction	COOKE TX
Township / Civil Division	MUENSTER
Census Block Group	2
Census Block	2084
Census Tract	200

Owner

Source: Cooke County records · APN 7712-006-00034

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	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Mar 27, 2006	Deed of Trust, Mortgage · Line of Credit CITIBANK TEXAS NA
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Feb 09, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Jul 05, 2024	Vendor's Lien, Transfer · Conventional Mortgage FIRST HORIZON BANK
Feb 09, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Jul 05, 2024 · Amount on Record
Deed Document Number	20265231
Deed Book / Page	2795 / 778
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOKE TX
Recording Date	Jul 14, 2026
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516
Document Number	0000005231
Book / Page	2795 / 778
Instrument Date	Jul 13, 2026
Instrument	20265231
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516

Mortgage

Document Number	0000005232,
Date	Jul 14, 2026
Instrument	20265232

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516
Transaction Type	Mortgage
Record Updated	Jun 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001421/232
Date	Mar 27, 2006
Book Page	1421/232
Instrument	2006-00012883

Lender

Name	CITIBANK TEXAS NA
Type	Bank
Address	DALLAS, TX 75225

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 11, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516
Transaction Type	Mortgage
Record Updated	Jun 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002450/415
Date	Sep 21, 2021
Book Page	2450/415
Instrument	2021-08131

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516
Transaction Type	Mortgage
Record Updated	Jun 02, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002115/697
Date	Feb 09, 2017
Book Page	2115/697
Instrument	2017-72031

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

July 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 05, 2024
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516
Document Number	002652/416
Book / Page	2652 / 416
Map Reference	VOL 4 PG 28
Instrument Date	Jul 03, 2024
Instrument	2024-4352
Transaction Type	Transfer
Record Updated	Jun 02, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240-0516

Mortgage

Document Number	0020244353
Date	Jul 05, 2024
Instrument	2024-4353

Lender

Name	FIRST HORIZON BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Aug 01, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	12.1%
Index	Other
Max Rate	12.1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240
Transaction Type	Mortgage
Record Updated	Nov 09, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2115/697
Date	Feb 09, 2017
Book Page	2115/697
Instrument	2017-72031

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2147 CHAPARRAL DR, GAINESVILLE, TX 76240
Transaction Type	Mortgage
Record Updated	Nov 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2450/415
Date	Sep 21, 2021
Book Page	2450/415
Instrument	2021-08131

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

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
Unified School District	Sivells Bend 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	$8,885.00 (+8.72%)	$749,509 (+28.55%) Land $394,588 Building $354,921	$749,509 (+28.55%) Land $394,588 Building $354,921
2024	$8,172.00 (+10.75%)
2023		$583,028 Land $274,492 Building $308,536	$583,028 Land $274,492 Building $308,536
2022	$7,379.00

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 480970002002, 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 A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2009–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015, river or lake flooding, Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims By Storm	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 claims

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 52% of Texas
Wildfire Likelihood	About 1 in 424 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AMG Technology Investment Group	Fixed Wireless	400 / 100

May also be available at this address: ElektraFi, AT&T, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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