324 Southside Dr, Gainesville, TX 76240 Property Records

Cooke County property record for 324 Southside Dr, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,661 sqft · built 2019
Lot Size	0.468 acres (20,404 sqft)
Owner	Individual Name on Record
Last Sale	$247,500 (Jun 2020)
Tax Bill	$5,171 (2026)
Deeds & Mortgages	Mar 2025 Line of Credit May 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7712-012-00045`

Property Details

APN / Parcel Number

Primary APN	`7712-012-00045`
Alternative APN	`27726`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,661 sqft Living Area
Gross Area	3,747 sqft
1st Floor Area	1,061 sqft
2nd Floor Area	1,061 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	20,404 sqft (0.468 acres)
Porch	Slab
Porch Area	576 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7712-012-00045
Street Address	324 SOUTHSIDE DR
City	GAINESVILLE
State	TX
Zip	76240-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS; LOT 45 & 46; SEC 12
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	45,46
Jurisdiction	COOKE TX
Township / Civil Division	MUENSTER
Census Block Group	2
Census Block	2084
Census Tract	200

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	Individual Name on Record
Mailing Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
May 21, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Jun 10, 2020	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2020 · Amount on Record
Deed Sale	Jun 10, 2020 · Amount on Record
Prior Sale	Jul 26, 2018
Deed Document Number	20204177
Deed Book / Page	2336 / 352
Prior Transfer Date	Jun 9, 2020
Prior Transfer Doc	2336/352
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327

Mortgage

Document Number	002699/249
Date	Mar 11, 2025
Book Page	2699/249
Instrument	2025-1688

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Recording Date	May 21, 2026
Property Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327
Document Number	0000003751
Book / Page	2784 / 249
Instrument Date	May 15, 2026
Instrument	20263751
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327

Mortgage

Document Number	0000003751,
Date	May 21, 2026
Book Page	2784/249
Instrument	20263751

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jun 10, 2020
Property Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327
Document Number	002336/352
Book / Page	2336 / 352
Map Reference	VOL 5 PG 20
Instrument Date	Jun 9, 2020
Instrument	4177
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 WHISPER PT, GAINESVILLE, TX 76240-6652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SOUTHSIDE DR, GAINESVILLE, TX 76240-1327

Mortgage

Document Number	0000004178
Date	Jun 10, 2020
Instrument	4178

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	Sivells Bend Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,171.00 (+36.33%) Homeowner's exemption	$436,160 (+9.44%) Land $120,942 Building $315,218	$436,160 (+9.44%) Land $120,942 Building $315,218
2025	$3,793.00 (+1.74%) Homeowner's exemption	$398,540 (+16.5%) Land $83,322 Building $315,218	$398,540 (+5.89%) Land $83,322 Building $315,218
2024	$3,728.00 (-5.95%)
2023		$342,084 Land $74,798 Building $301,556	$376,354 Land $74,798 Building $301,556
2022	$3,964.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2009–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 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 71% of the US · above 61% of Texas
Wildfire Likelihood	0.3% 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	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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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