3154 FM 2896, Gainesville, TX 76240 Property Records

Cooke County property record for 3154 FM 2896, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,771 sqft · built 1976
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,769 (2026)
Deeds & Mortgages	May 2021 Mortgage Sep 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1102-022-00001`

Property Details

APN / Parcel Number

Primary APN	`1102-022-00001`
Alternative APN	`53772`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,771 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	1,771 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1102-022-00001
Street Address	3154 FM 2896
City	GAINESVILLE
State	TX
Zip	76240-6841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIS S 1102 ACRES 2.0
Legal Subdivision	WILLIS S
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	4
Census Block	4002
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	2 Individual Names on Record
Mailing Address	PO BOX 820, GAINESVILLE, TX 76241-0820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage NASCOGA FCU
Sep 4, 2018	Warranty Deed, Transfer
Sep 4, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018
Deed Sale	Sep 4, 2018
Deed Document Number	201885927
Deed Book / Page	2214 / 808
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	3154 FM 2896, GAINESVILLE, TX 76240-6841
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2422/33
Date	May 28, 2021
Book Page	2422/33
Instrument	2021-04508

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Feb 9, 2036

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Sep 4, 2018
Property Address	3154 FM 2896, GAINESVILLE, TX 76240-6841
Document Number	2214/808
Book / Page	2214 / 808
Instrument Date	Sep 4, 2018
Instrument	00085927
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

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOKE TX
Recording Date	Sep 4, 2018
Property Address	3154 FM 2896, GAINESVILLE, TX 76240-6841
Document Number	2214/801
Book / Page	2214 / 801
Instrument Date	Sep 4, 2018
Instrument	00085926
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 820, GAINESVILLE, TX 76241-0820

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$3,769.00 (+278.41%) Homeowner's exemption Senior Citizen's exemption	$272,216 (+9.65%)	$310,476 (-) Land $135,000 Building $175,476
2025	$996.00 (-14.29%) Homeowner's exemption Senior Citizen's exemption	$248,251 (+25.34%) Land $135,000 Building $175,476	$310,476 (+29.01%) Land $135,000 Building $175,476
2024	$1,162.00 (-41.4%)
2023		$198,057 Land $75,000 Building $165,657	$240,657 Land $75,000 Building $165,657
2022	$1,983.00

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	4 (2007–2015)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 3 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 77% of the US · above 70% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 200
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, ElektraFi, Nortex Communications Company, Rise Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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