3464 Co Rd 178, Gainesville, TX 76240 Property Records

Cooke County property record for 3464 Co Rd 178, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,144 sqft · built 2020
Lot Size	3.19 acres (138,956 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,474 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2684-00A-00011`

Property Details

APN / Parcel Number

Primary APN	`2684-00A-00011`
Alternative APN	`158596`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,144 sqft Living Area
Gross Area	4,133 sqft
1st Floor Area	1,944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	138,956 sqft (3.19 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2684-00A-00011
Street Address	3464 COUNTY ROAD 178
City	GAINESVILLE
State	TX
Zip	76240-7628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REX ESTATES; BLOCK A; LOT 11; ACRES 3.19
Legal Subdivision	REX ESTATES
Legal Block	A
Legal Lot Number	11
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2011
Census Tract	100

Owner

Source: Cooke County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3464 COUNTY ROAD 178, GAINESVILLE, TX 76240-7628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Nov 19, 2019	Deed of Trust, Mortgage · Construction Mortgage INDEPENDENT BANK
May 31, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019
Deed Sale	May 31, 2019
Deed Document Number	201992499
Deed Book / Page	2262 / 480
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	3464 COUNTY ROAD 178, GAINESVILLE, TX 76240-7628
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2369/136
Date	Oct 16, 2020
Book Page	2369/136
Instrument	2020-08137

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	3464 COUNTY ROAD 178, GAINESVILLE, TX 76240-7628
Transaction Type	Mortgage
Record Updated	Nov 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2296/813
Date	Nov 19, 2019
Book Page	2296/813
Instrument	2019-97015

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MCKINNEY, TX 75069

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 16, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	Prime Rate
Max Rate	14.2%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	May 31, 2019
Property Address	3464 COUNTY ROAD 178, GAINESVILLE, TX 76240-7628
Document Number	2262/480
Book / Page	2262 / 480
Map Reference	CAB A SL 232
Instrument Date	May 24, 2019
Instrument	2019-92499
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2213 WINTHROP HILL RD, 2213, ARGYLE, TX 76226-2105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2303 HIDE A WAY CIR, DENISON, TX 75020-7238

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	$7,474.00 (+33.85%) Homeowner's exemption	$539,815 (+1%)	$560,928 (+6.69%) Land $193,716 Building $367,212
2025	$5,584.00 (+14.59%) Homeowner's exemption	$490,741 (+21%) Land $158,520 Building $367,212	$525,732 (+16.32%) Land $158,520 Building $367,212
2024	$4,873.00 (-4.21%)
2023		$405,571 Land $137,418 Building $314,558	$451,976 Land $137,418 Building $314,558
2022	$5,087.00

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	2 in force
Nearby Flood Claims	4 (1990–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Nov 2011 · rainfall accumulation

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 74% of the US · above 65% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

May also be available: Element8, Nextlink.

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