2824 FM 678, Gainesville, TX 76240 Property Records

Cooke County property record for 2824 FM 678, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 1981
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on File
Last Sale	$130,500 (Feb 2017)
Tax Bill	$4,828 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0044-104-00000`

Property Details

APN / Parcel Number

Primary APN	`0044-104-00000`
Alternative APN	`22725`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,875 sqft Living Area
Gross Area	3,865 sqft
1st Floor Area	1,875 sqft
Game Room	Game Room
Utility Room	Utility Room
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	57,935 sqft (1.33 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,219 sqft
Storage Building	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0044-104-00000
Street Address	2824 FM 678
City	GAINESVILLE
State	TX
Zip	76240-7515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAILEY ACC 0044 ACRES 1.33
Legal Subdivision	BAILEY ACC
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE SOUTHEAST
Census Block Group	2
Census Block	2004
Census Tract	702

Owner

2824 FM 678 is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2824 FM 678, GAINESVILLE, TX 76240-7515
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
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 21, 2017	Vendor's Lien, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2017 · Amount on File
Deed Sale	Feb 21, 2017 · Amount on File
Prior Sale	Oct 10, 2011 · Amount on File
Deed Document Number	201772315
Deed Book / Page	2117 / 463
Prior Transfer Date	Feb 16, 2017
Prior Transfer Doc	2117/463
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2824 FM 678, GAINESVILLE, TX 76240-7515
Transaction Type	Mortgage
Record Updated	Jun 28, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002319/432
Date	Mar 20, 2020
Book Page	2319/432
Instrument	2020-02132

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	2824 FM 678, GAINESVILLE, TX 76240-7515
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002444/534
Date	Aug 27, 2021
Book Page	2444/534
Instrument	2021-07338

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 21, 2017
Property Address	2824 FM 678, GAINESVILLE, TX 76240-7515
Document Number	2117/463
Book / Page	2117 / 463
Instrument Date	Feb 16, 2017
Instrument	00072315
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00072316
Date	Feb 21, 2017
Instrument	00072316

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 2824 FM 678 was $4,828 with exemptions applied, up 348.3% 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	$4,828.00 (+348.28%) Homeowner's exemption Senior Citizen's exemption	$318,013 (+1%)	$374,433 (+3.94%) Land $118,689 Building $255,744
2025	$1,077.00 (-16.06%) Homeowner's exemption Senior Citizen's exemption	$289,103 Land $104,497 Building $255,744	$360,241 Land $104,497 Building $255,744
2024	$1,283.00
2023		$238,928 Land $97,497 Building $270,727	$368,224 Land $97,497 Building $270,727
2022	$2,497.00

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

Flood

FEMA maps place 2824 FM 678 in Zone X, an area of minimal flood risk.

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	6 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.

Wildfire

Wildfire risk around 2824 FM 678 is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 73% of Texas
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Element8, T-Mobile.

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