318 Cunningham St, Gainesville, TX 76240 Property Records

Cooke County property record for 318 Cunningham St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1940
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$141,813 (Sep 2025)
Tax Bill	$833 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2185-003-00008`

Property Details

APN / Parcel Number

Primary APN	`2185-003-00008`
Alternative APN	`18807`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	884 sqft Living Area
Gross Area	1,608 sqft
1st Floor Area	884 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Asbestos
Roof Material	Rolled Roofing
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Carport
Garage Area	312 sqft
Carport	Carport
Carport Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	44 sqft
Storage Building	368 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	2185-003-00008
Street Address	318 CUNNINGHAM ST
City	GAINESVILLE
State	TX
Zip	76240-4341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUNNINGHAM ADDN; BLOCK 3; LOT 8
Legal Subdivision	CUNNINGHAM ADDN
Legal Block	3
Legal Lot Number	8
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3032
Census Tract	600

Owner

Source: Cooke County records, as of August 18, 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	318 CUNNINGHAM ST, GAINESVILLE, TX 76240-4341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUENSTER STATE BANK
Sep 16, 2025	Vendor's Lien, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 27, 2018	Warranty Deed, Transfer · Seller Carry-Back VERNA WHITLEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Jun 27, 2018 · Amount on Record
Deed Document Number	20256450
Deed Book / Page	2734 / 77
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	318 CUNNINGHAM ST, GAINESVILLE, TX 76240-4341
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002313/615
Date	Feb 20, 2020
Book Page	2313/615
Instrument	1347

Lender

Name	MUENSTER STATE BANK
Type	Bank
Address	MUENSTER, TX 76252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Sep 16, 2025
Property Address	318 CUNNINGHAM ST, GAINESVILLE, TX 76240-4341
Document Number	0002734/77
Book / Page	2734 / 77
Map Reference	CAB B SL 65
Instrument Date	Sep 15, 2025
Instrument	2025-6450
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 BAILEY RANCH DR, GAINESVILLE, TX 76240-2183

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 CUNNINGHAM ST, GAINESVILLE, TX 76240-4341

Mortgage

Document Number	0020256451
Date	Sep 16, 2025
Instrument	2025-6451

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jun 27, 2018
Property Address	318 CUNNINGHAM ST, GAINESVILLE, TX 76240-4341
Document Number	002202/442
Book / Page	2202 / 442
Instrument Date	Jun 26, 2018
Instrument	00084281
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 N MAPLE ST, MUENSTER, TX 76252-2421

Mortgage

Document Number	0000084282
Date	Jun 27, 2018
Instrument	00084282

Lender

Name	VERNA WHITLEY
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	119 Months
Due	May 1, 2028

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
2025	$833.00 (+16.18%) Homeowner's exemption	$76,150 (-6.48%) Land $28,490 Building $53,956	$82,446 (+1.25%) Land $28,490 Building $53,956
2024	$717.00 (-53.47%) Homeowner's exemption	$81,426 (+5.31%) Land $28,490 Building $52,936	$81,426 (+5.31%) Land $28,490 Building $52,936
2023		$77,317 Land $25,900 Building $51,417	$77,317 Land $25,900 Building $51,417
2022	$1,541.00

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	1 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding

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 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 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 480 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.

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