Cooke County property record for 3808 FM 678, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,721 sqft · built 1940 |
| Lot Size | 3.8 acres (165,528 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,760 (2026) |
| Deeds & Mortgages | May 2017 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0044-106-00001 |
| Primary APN | 0044-106-00001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,721 sqft Living Area |
| Gross Area | 2,950 sqft |
| 1st Floor Area | 1,721 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Composition Shingle |
| Lot Area | 165,528 sqft (3.8 acres) |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 200 sqft |
| Storage Building | 120 sqft |
| Cooling System | Window A/C |
|---|
| Account Number | 0044-106-00001 |
|---|---|
| Street Address | 3808 FM 678 |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-1511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAILEY ACC 0044 ACRES 3.8 |
| Legal Subdivision | BAILEY ACC |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE SOUTHEAST |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 702 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3808 FM 678, GAINESVILLE, TX 76240-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO |
| Oct 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO |
| May 22, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2017 |
| Deed Sale | May 22, 2017 |
| Deed Document Number | 201774503 |
| Deed Book / Page | 2132 / 712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 3808 FM 678, GAINESVILLE, TX 76240-1511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2133/104 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 2133/104 |
| Instrument | 00074540 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DURANT, OK 74701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 3808 FM 678, GAINESVILLE, TX 76240-1511 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Title Company | HOWETH TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2288/781 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 2288/781 |
| Instrument | 00095872 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DURANT, OK 74701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | May 22, 2017 |
| Property Address | 3808 FM 678, GAINESVILLE, TX 76240-1511 |
| Document Number | 2132/712 |
| Book / Page | 2132 / 712 |
| Instrument Date | May 18, 2017 |
| Instrument | 00074503 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,760.00 (+86.05%) Homeowner's exemption | $247,676 (+1%) | $396,902 (-) Land $186,720 Building $210,182 |
| 2025 | $2,021.00 (+5.04%) Homeowner's exemption | $225,160 (+21%) Land $186,720 Building $210,182 | $396,902 (+16.73%) Land $186,720 Building $210,182 |
| 2024 | $1,924.00 (-13.26%) | ||
| 2023 | $186,083 Land $151,840 Building $188,173 | $340,013 Land $151,840 Building $188,173 | |
| 2022 | $2,218.00 |
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 | 6 in force |
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 | High above 74% of the US · above 65% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Company Fiber | 2,000 / 2,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
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