309 S Commerce St, Gainesville, TX 76240 Property Records

Cooke County property record for 309 S Commerce St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,519 sqft · built 2005
Lot Size	0.128 acres (5,584 sqft)
Owner	2 Individual Names on Record
Last Sale	$121,300 (Aug 2018)
Tax Bill	$5,287 (2026)
Deeds & Mortgages	May 2021 Construction Loan May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2366-000-00001`

Property Details

APN / Parcel Number

Primary APN	`2366-000-00001`
Alternative APN	`11199`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,519 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,519 sqft
Safe Room	Safe Room
Flooring	Tile

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,584 sqft (0.128 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2366-000-00001
Street Address	309 S COMMERCE ST
City	GAINESVILLE
State	TX
Zip	76240-4713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMILTON PLACE TWO; LOT 1
Legal Subdivision	HAMILTON PLACE TWO
Legal Lot Number	1
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	5
Census Block	5021
Census Tract	1100

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	2 Individual Names on Record
Mailing Address	309 S COMMERCE ST, GAINESVILLE, TX 76240-4713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Construction Mortgage NASCOGA FCU
May 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage NASCOGA FCU
Nov 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Aug 7, 2018	Vendor's Lien, Transfer · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Prior Sale	May 9, 2016 · Amount on Record
Deed Document Number	201885172
Deed Book / Page	2209 / 403
Prior Transfer Date	Aug 3, 2018
Prior Transfer Doc	2209/403
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	309 S COMMERCE ST, GAINESVILLE, TX 76240-4713
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 S DENTON ST, GAINESVILLE, TX 76240-5609

Mortgage

Document Number	002420/142
Date	May 21, 2021
Book Page	2420/142
Instrument	2021-4269

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	309 S COMMERCE ST, GAINESVILLE, TX 76240-4713
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2420/142
Date	May 21, 2021
Book Page	2420/142
Instrument	4269

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	309 S COMMERCE ST, GAINESVILLE, TX 76240-4713
Transaction Type	Mortgage
Record Updated	Dec 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2225/393
Date	Nov 7, 2018
Book Page	2225/393
Instrument	00087419

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2048

August 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Aug 7, 2018
Property Address	309 S COMMERCE ST, GAINESVILLE, TX 76240-4713
Document Number	2209/403
Book / Page	2209 / 403
Map Reference	CAB B SL 308
Instrument Date	Aug 3, 2018
Instrument	2018-85172
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	309 S COMMERCE ST, GAINESVILLE, TX 76240-4713
Investor	Possibly a Property Investor

Mortgage

Document Number	201885173
Date	Aug 7, 2018
Instrument	2018-85173

Lender

Name	FIRST STATE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Municipality	Gainesville City
Unified School District	Gainesville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,287.00 (-4.5%)	$252,714 (-4.51%) Land $30,779 Building $221,935	$252,714 (-4.51%) Land $30,779 Building $221,935
2025	$5,536.00 (+9.3%)	$264,646 (-3.71%) Land $30,779 Building $233,867	$264,646 (-3.71%) Land $30,779 Building $233,867
2024	$5,065.00 (-7.05%)
2023		$274,836 Land $25,640 Building $249,196	$274,836 Land $25,640 Building $249,196
2022	$5,449.00

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	3 in force
Nearby Flood Claims	26 (1981–2009)
Claims Outside the SFHA	11 of 26
Most Recent Claim	Apr 2009 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 12 claims Severe Storms, Tornadoes & Flooding, May 1990 · 6 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	Low lower than 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 336 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
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Element8, Nextlink, Verizon.

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