3085 Co Rd 178, Gainesville, TX 76240 Property Records

Cooke County property record for 3085 Co Rd 178, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,835 sqft · built 2020
Lot Size	10.1 acres (441,698 sqft)
Owner	Individual Name on Record
Last Sale	$578,300 (Jul 2020)
Tax Bill	$9,064 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0814-002-00000`

Property Details

APN / Parcel Number

Primary APN	`0814-002-00000`
Alternative APN	`21801`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,835 sqft Living Area
Gross Area	2,989 sqft
1st Floor Area	1,835 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	441,698 sqft (10.1 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Porch Area	321 sqft
Deck Area	1,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0814-002-00000
Street Address	3085 COUNTY ROAD 178
City	GAINESVILLE
State	TX
Zip	76240-7592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POLK T 0814 ACRES 10.14
Legal Subdivision	POLK T
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2005
Census Tract	100

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	3085 COUNTY ROAD 178, GAINESVILLE, TX 76240-7592
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2020	Vendor's Lien, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 30, 2019	Vendor's Lien, Transfer · Construction Mortgage POINTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2020 · Amount on Record
Deed Sale	Jul 9, 2020 · Amount on Record
Prior Sale	Apr 30, 2019 · Amount on Record
Deed Document Number	20205129
Deed Book / Page	2343 / 575
Prior Transfer Date	Jul 8, 2020
Prior Transfer Doc	2343/575
Record Updated	Oct 29, 2026

July 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 9, 2020
Property Address	3085 COUNTY ROAD 178, GAINESVILLE, TX 76240-7592
Document Number	2343/575
Book / Page	2343 / 575
Instrument Date	Jul 8, 2020
Instrument	2020-05129
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	GUARANTEED FL TITLE INC, GUARANTEED RATE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3085 COUNTY ROAD 178, GAINESVILLE, TX 76240-7592
Investor	Possibly a Property Investor

Mortgage

Document Number	202005130
Date	Jul 9, 2020
Instrument	2020-05130

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

April 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Apr 30, 2019
Property Address	3085 COUNTY ROAD 178, GAINESVILLE, TX 76240-7592
Document Number	2256/217
Book / Page	2256 / 217
Instrument Date	Apr 29, 2019
Instrument	2019-91657
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 364, PILOT POINT, TX 76258-0364

Mortgage

Document Number	201991659
Date	Apr 30, 2019
Instrument	2019-91659

Lender

Name	POINTBANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2025
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	Prime Rate
Max Rate	18%

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	Callisburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,064.00 (+28.93%) Homeowner's exemption	$654,681 (+1%)	$673,766 (+2.33%) Land $299,140 Building $374,626
2025	$7,030.00 (+15.78%) Homeowner's exemption	$595,165 (+21%) Land $283,788 Building $374,626	$658,414 (+20.28%) Land $283,788 Building $374,626
2024	$6,072.00 (-2.86%)
2023		$491,872 Land $216,090 Building $331,323	$547,413 Land $216,090 Building $331,323
2022	$6,251.00

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
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

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

Wildfire Risk	High above 77% of the US · above 69% 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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