3050 Co Rd 178, Gainesville, TX 76240 Property Records

Cooke County property record for 3050 Co Rd 178, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,613 sqft · built 2022
Lot Size	3.19 acres (138,956 sqft)
Owner	2 Individual Names on File
Last Sale	$57,500 (Mar 2020)
Tax Bill	$8,133 (2026)
Deeds & Mortgages	Jan 2022 Construction Loan Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2684-00A-00001`

Property Details

APN / Parcel Number

Primary APN	`2684-00A-00001`
Alternative APN	`158586`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,613 sqft Living Area
1st Floor Area	2,473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	138,956 sqft (3.19 acres)
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2684-00A-00001
Street Address	3050 COUNTY ROAD 178
City	GAINESVILLE
State	TX
Zip	76240-7643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REX ESTATES; BLOCK A; LOT 1; ACRES 3.19
Legal Subdivision	REX ESTATES
Legal Block	A
Legal Lot Number	1
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2011
Census Tract	100

Owner

3050 Co Rd 178 is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3050 COUNTY ROAD 178, GAINESVILLE, TX 76240-7643
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
Jan 21, 2022	Deed of Trust, Mortgage · Construction Mortgage INDEPENDENT BANK
Jan 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENT BANK
Nov 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 26, 2020	Vendor's Lien, Transfer FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2020 · Amount on File
Deed Sale	Mar 26, 2020 · Amount on File
Deed Document Number	20202288
Deed Book / Page	2320 / 650
Prior Transfer Date	Mar 20, 2020
Prior Transfer Doc	002320/650
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	3050 COUNTY ROAD 178, GAINESVILLE, TX 76240-7643
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12050 RESEARCH RD 9116, 9116, FRISCO, TX 75033-0316

Mortgage

Document Number	002481/678
Date	Jan 21, 2022
Book Page	2481/678
Instrument	2022-00573

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MCKINNEY, TX 75070

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	3050 COUNTY ROAD 178, GAINESVILLE, TX 76240-7643
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002481/686
Date	Jan 21, 2022
Book Page	2481/686
Instrument	2022-00574

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MCKINNEY, TX 75069

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 20, 2023

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	3050 COUNTY ROAD 178, GAINESVILLE, TX 76240-7643
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002546/429
Date	Nov 4, 2022
Book Page	2546/429
Instrument	2022-9084

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

March 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Mar 26, 2020
Property Address	3050 COUNTY ROAD 178, GAINESVILLE, TX 76240-7643
Document Number	002320/650
Book / Page	2320 / 650
Map Reference	CAB A SL 232
Instrument Date	Mar 20, 2020
Instrument	2288
Transaction Type	Transfer
Record Updated	Nov 14, 2023

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	0202002289
Date	Mar 26, 2020
Instrument	2020-02289

Lender

Name	FIRST STATE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 3050 Co Rd 178 was $8,133 with a homeowner's exemption, up 26.4% 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	Callisburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,133.00 (+26.37%) Homeowner's exemption	$587,447 (+6.37%) Land $190,716 Building $396,731	$587,447 (+6.37%) Land $190,716 Building $396,731
2025	$6,436.00 (+7.36%) Homeowner's exemption	$552,251 Land $155,520 Building $396,731	$552,251 Land $155,520 Building $396,731
2024	$5,995.00
2023		$503,989 Land $135,418 Building $368,571	$503,989 Land $135,418 Building $368,571
2022	$1,860.00

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

Flood

FEMA maps place 3050 Co Rd 178 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 3050 Co Rd 178 is high, ranking above 79% 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 79% of the US · above 73% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20

May also be available: Nextlink, Rise Broadband.

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