234 Co Rd 172, Gainesville, TX 76240 Property Records

Cooke County property record for 234 Co Rd 172, Gainesville, TX 76240

Property Summary

Property Type	Rural Home
Details	2 bd · 1.5 ba · 1,066 sqft · built 2012
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$2,653 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0380-041-00003-MHL`

Property Details

APN / Parcel Number

Primary APN	`0380-041-00003-MHL`
Alternative APN	`14006`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,066 sqft Living Area
Gross Area	2,048 sqft
1st Floor Area	1,066 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	520 sqft
Carport	Carport
Carport Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	342 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0380-041-00003-MHL
Street Address	234 COUNTY ROAD 172
City	GAINESVILLE
State	TX
Zip	76240-7155
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FRENCH M 0380 ACRES 1.0 LABEL# TEX0515783 SN1 CRHTX2260 TITLE # 01270233
Legal Subdivision	FRENCH M
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2044
Census Tract	100

Owner

234 Co Rd 172, a rural home, is owned and occupied by an individual who acquired it in January 2012.

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

Owner of Record	Individual Name on File
Mailing Address	234 COUNTY ROAD 172, GAINESVILLE, TX 76240-7155
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 8, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2012
Deed Sale	Jan 10, 2012
Deed Document Number	201225243
Deed Book / Page	1783 / 317
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	234 COUNTY ROAD 172, GAINESVILLE, TX 76240-7155
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2457/771
Date	Oct 18, 2021
Book Page	2457/771
Instrument	2021-09075

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	234 COUNTY ROAD 172, GAINESVILLE, TX 76240-7155
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2276/284
Date	Aug 8, 2019
Book Page	2276/284
Instrument	2019-94267

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 234 Co Rd 172 was $2,653 with a homeowner's exemption, up 161.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,653.00 (+161.38%) Homeowner's exemption	$174,751 (+1%)	$233,240 (+3.78%) Land $97,500 Building $135,740
2025	$1,015.00 (-8.14%) Homeowner's exemption	$158,865	$224,740 Land $89,000 Building $135,740
2024	$1,105.00
2023		$131,294	$205,709 Land $84,000 Building $121,709
2022	$1,444.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 234 Co Rd 172 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1990.

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	2 in force
Nearby Flood Claims	4 (1990–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Nov 2011 · rainfall accumulation

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

Wildfire risk around 234 Co Rd 172 is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 66% of Texas
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	WOODBINE SPECIAL UTILITY DISTRICT serves 8,151 people · EPA ID TX0490018
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	Under 1 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	2 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000
Nextlink Fixed Wireless	500 / 200
Verizon Fixed Wireless	300 / 20

May also be available: Element8, Optimum.

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