320 N Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 320 N Howeth St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	1,874 sqft · built 2024
Lot Size	0.54 acres (23,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,520 (Aug 2022)
Tax Bill	$7,523 (2026)
Deeds & Mortgages	Aug 2024 Construction Loan Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2280-001-00022`

Property Details

APN / Parcel Number

Primary APN	`2280-001-00022`
Alternative APN	`3221`

Interior

Building Area	1,874 sqft Living Area
1st Floor Area	1,874 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	23,501 sqft (0.54 acres)
Garage Area	547 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Location & Zoning

Account Number	2280-001-00022
Street Address	320 N HOWETH ST
City	GAINESVILLE
State	TX
Zip	76240-4416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRGROUNDS ADDN; BLOCK 1; LOT 22 & S 37.5' OF 21; ACRES .5395
Legal Subdivision	FAIRGROUNDS ADDN
Legal Block	1
Legal Lot Number	22
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3031
Census Tract	600

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	320 N HOWETH ST, GAINESVILLE, TX 76240-4416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · Construction Mortgage AMERICAN NATIONAL BANK & TRUST
Nov 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST
Aug 16, 2024	Deed of Trust, Mortgage · Construction Mortgage AMERICAN NATIONAL BANK & TRUST
Aug 16, 2022	Vendor's Lien, Transfer · Conventional Mortgage RANDOLPH BROOKS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Mar 6, 2014 · Amount on Record
Deed Document Number	20227017
Deed Book / Page	2531 / 419
Last Transfer Date	Mar 6, 2026
Transfer Doc	0000001688
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	320 N HOWETH ST, GAINESVILLE, TX 76240-4416
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002661/331
Date	Aug 16, 2024
Book Page	2661/331
Instrument	2024-5795

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	WICHITA FALLS, TX 76308

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	7.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Max Rate	13.2%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	320 N HOWETH ST, GAINESVILLE, TX 76240-4416
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 N HOWETH ST, GAINESVILLE, TX 76240-4416
Investor	Possibly a Property Investor

Mortgage

Document Number	002744/657
Date	Nov 3, 2025
Book Page	2744/657
Instrument	2025-8006

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	WICHITA FALLS, TX 76308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2045

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	320 N HOWETH ST, GAINESVILLE, TX 76240-4416
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 COUNTRY PLACE LN, VALLEY VIEW, TX 76272-7761

Mortgage

Document Number	002661/357
Date	Aug 16, 2024
Book Page	2661/357
Instrument	2024-5796

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Aug 16, 2022
Property Address	320 N HOWETH ST, GAINESVILLE, TX 76240-4416
Document Number	002531/419
Book / Page	2531 / 419
Map Reference	CAB B SL 31
Instrument Date	Aug 11, 2022
Instrument	2022-7017
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4011 FM 1199, CALLISBURG, TX 76240-1718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 DAKOTA TRL, KRUM, TX 76249-6882
Investor	Possibly a Property Investor

Mortgage

Document Number	0020227018
Date	Aug 16, 2022
Instrument	2022-7018

Lender

Name	RANDOLPH BROOKS FCU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

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	$7,523.00 (+52.84%) Homeowner's exemption	$359,616 (+52.83%) Land $52,993 Building $306,623	$359,616 (+52.83%) Land $52,993 Building $306,623
2025	$4,922.00 (+389.26%)	$235,311 (+388.45%) Land $52,993 Building $182,318	$235,311 (+388.45%) Land $52,993 Building $182,318
2024	$1,006.00 (+4.14%)
2023		$48,175 Land $48,175	$48,175 Land $48,175
2022	$966.00

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 94% of the US · lower than 97.4% of Texas
Wildfire Likelihood	0.04% 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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