Cooke County property record for 322 S Commerce St, Gainesville, TX 76240
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 2 bd · 1.5 ba · 1,672 sqft · built 1957 |
| Lot Size | 0.134 acres (5,837 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,920 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2300-063-00001 |
| Primary APN | 2300-063-00001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Building Area | 1,672 sqft Total Area |
| 1st Floor Area | 1,672 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Multi-Family |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 5,837 sqft (0.134 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Window A/C |
|---|
| Account Number | 2300-063-00001 |
|---|---|
| Street Address | 322 S COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-4714 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | GAINESVILLE ADDN; BLOCK 63 PT OF; TR 1 |
| Legal Subdivision | GAINESVILLE ADDN |
| Legal Tract | 1 |
| Legal Block | 63 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 5 |
| Census Block | 5020 |
| Census Tract | 1100 |
Source: Cooke County assessment roll, as of June 2, 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 File |
|---|---|
| Mailing Address | PO BOX 690, MUENSTER, TX 76252-0690 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 322 S COMMERCE ST, GAINESVILLE, TX 76240-4714 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 707 W DIVISION ST, MUENSTER, TX 76252-2644 |
| Document Number | 002521/441 |
|---|---|
| Date | Jun 28, 2022 |
| Book Page | 2521/441 |
| Instrument | 2022-5640 |
| Name | SIMMONS BANK |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, TX 76240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 26 Months |
| Due | Aug 10, 2024 |
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,920.00 (+10.4%) | $139,607 (+1.33%) Land $32,151 Building $107,456 | $139,607 (+1.33%) Land $32,151 Building $107,456 |
| 2024 | $2,645.00 (-4.99%) | ||
| 2023 | $137,770 Land $26,783 Building $110,987 | $137,770 Land $26,783 Building $110,987 | |
| 2022 | $2,784.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
| 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.
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 Fiber | 2,000 / 2,000 |
| Optimum Communications Cable | 940 / 35 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, Element8 Technology Investment Group, Verizon.
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