248 Southside Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 248 Southside Dr, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,480 sqft · built 2020
Lot Size	0.515 acres (22,433 sqft)
Owner	Individual Name on Record
Tax Bill	$5,906 (2026)
Deeds & Mortgages	Nov 2020 Mortgage May 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7712-012-00041`

Property Details

APN / Parcel Number

Primary APN	`7712-012-00041`
Alternative APN	`163277`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,480 sqft Living Area
Gross Area	3,529 sqft
1st Floor Area	1,480 sqft
2nd Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	22,433 sqft (0.515 acres)
Porch	Slab
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7712-012-00041
Street Address	248 SOUTHSIDE DR
City	GAINESVILLE
State	TX
Zip	76240-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS; LOT 41 & 42; SEC 12
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	41,42
Jurisdiction	COOKE TX
Township / Civil Division	MUENSTER
Census Block Group	2
Census Block	2084
Census Tract	200

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	184 GOLDEN CREEK DR, GRANTVILLE, GA 30220-1947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 2, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	248 SOUTHSIDE DR, GAINESVILLE, TX 76240-1325
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002375/610
Date	Nov 12, 2020
Book Page	2375/610
Instrument	2020-09269

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	248 SOUTHSIDE DR, GAINESVILLE, TX 76240-1325
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002708/489
Date	May 2, 2025
Book Page	2708/489
Instrument	2025-2916

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 24, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	248 SOUTHSIDE DR, GAINESVILLE, TX 76240-1325
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2375/610
Date	Nov 12, 2020
Book Page	2375/610
Instrument	2020-09269

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,906.00 (+37.93%) Homeowner's exemption	$498,224 (+13.3%) Land $128,636 Building $369,588	$498,224 (+13.3%) Land $128,636 Building $369,588
2025	$4,282.00 (-5.22%) Homeowner's exemption	$439,748 (+5.07%) Land $88,373 Building $351,375	$439,748 (+5.07%) Land $88,373 Building $351,375
2024	$4,518.00 (+2.5%)
2023		$418,548 Land $79,725 Building $338,823	$418,548 Land $79,725 Building $338,823
2022	$4,408.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2009–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 claims

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	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.

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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