Cooke County property record for 244 Cayuga Trl, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,020 sqft · built 1977 |
| Lot Size | 0.513 acres (22,342 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,300 (Sep 2025) |
| Tax Bill | $2,933 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7800-001-01223 |
| Primary APN | 7800-001-01223 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,020 sqft Living Area |
| Gross Area | 1,733 sqft |
| 1st Floor Area | 1,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 22,342 sqft (0.513 acres) |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 324 sqft |
| Storage Building | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 7800-001-01223 |
|---|---|
| Street Address | 244 CAYUGA TRL |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-9544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE KIOWA MAP 11; LOT 1223 & 1224 S 1/2 |
| Legal Subdivision | LAKE KIOWA MAP 11 |
| Legal Lot Number | 1223,12 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE SOUTHEAST |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 701 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 244 CAYUGA TRL, GAINESVILLE, TX 76240-9544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US FEDERAL CREDIT UNION |
| Jan 21, 2022 | Deed of Trust, Mortgage · Line of Credit TEXANS CU |
| Sep 19, 2025 | Warranty Deed, Transfer HOWETH TITLE COMPANY |
| Sep 23, 2025 | Vendor's Lien, Transfer · Stand-Alone First Mortgage MICHAEL E ERWIN ETAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on Record |
| Deed Sale | Sep 23, 2025 · Amount on Record |
| Prior Sale | Dec 5, 2008 · Amount on Record |
| Deed Document Number | 20256734 |
| Deed Book / Page | 2736 / 1 |
| Prior Transfer Date | Jul 24, 2013 |
| Prior Transfer Doc | 0000040199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Apr 21, 2026 |
| Property Address | 244 CAYUGA TRL, GAINESVILLE, TX 76240-9544 |
| Document Number | 0000002859 |
| Book / Page | 2778 / 30 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20262859 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 244 CAYUGA TRL, GAINESVILLE, TX 76240-9544 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002859, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 2778/30 |
| Instrument | 20262859 |
| Name | US FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 14, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.54% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 244 CAYUGA TRL, LAKE KIOWA, TX 76240-9544 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002481/742 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 2481/742 |
| Instrument | 579 |
| Name | TEXANS CU |
|---|---|
| Type | Credit Union |
| Address | RICHARDSON, TX 75085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 13, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Sep 19, 2025 |
| Property Address | 244 CAYUGA TRL, LAKE KIOWA, TX 76240-9544 |
| Document Number | 002735/281 |
| Book / Page | 2735 / 281 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 2025-6652 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | HOWETH TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6424 FM 9024, GAINESVILLE, TX 76240 |
| Name | Verified Name |
|---|---|
| Address | 244 CAYUGA TRL, GAINESVILLE, TX 76240-9544 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Sep 23, 2025 |
| Property Address | 244 CAYUGA TRL, LAKE KIOWA, TX 76240-9544 |
| Document Number | 00002736/1 |
| Book / Page | 2736 / 1 |
| Map Reference | CAB B SL 184 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 2025-6734 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Title Company | HOWETH TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7425 GREYSTONE DR, HUDSON, FL 34667-3042 |
| Name | Verified Name |
|---|---|
| Address | 244 CAYUGA TRL, LAKE KIOWA, TX 76240-9544 |
| Document Number | 0020256735 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 2025-6735 |
| Name | MICHAEL E ERWIN ETAL |
|---|---|
| Type | Private Party |
| Special Notes | Seller Financed |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 132 Months |
| Due | Sep 1, 2036 |
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Unified School District | Callisburg Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,933.00 (+485.43%) Homeowner's exemption Senior Citizen's exemption | $211,815 (+22.9%) Land $106,021 Building $105,794 | $211,815 (-2.96%) Land $106,021 Building $105,794 |
| 2025 | $501.00 (+1.21%) Homeowner's exemption Senior Citizen's exemption | $172,348 (-22.64%) Land $106,021 Building $112,250 | $218,271 (-2.02%) Land $106,021 Building $112,250 |
| 2024 | $495.00 (-45.66%) Homeowner's exemption Senior Citizen's exemption | $222,775 (+56.4%) Land $106,123 Building $116,652 | $222,775 (+10.72%) Land $106,123 Building $116,652 |
| 2023 | $142,436 Land $84,824 Building $116,382 | $201,206 Land $84,824 Building $116,382 | |
| 2022 | $911.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Nearby Flood Policies | 23 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 61% of Texas |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE KIOWA SUD serves 2,848 people · EPA ID TX0490016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Company Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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