Cooke County property record for 3906 FM 678, Gainesville, TX 76240
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,017 sqft · built 1978 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,216 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0221-005-00000 |
| Primary APN | 0221-005-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,017 sqft Living Area |
| Gross Area | 6,545 sqft |
| 1st Floor Area | 2,017 sqft |
| Storm Shelter | Storm Shelter |
| Utility Room | Utility Room |
| Flooring | Ceramic Tile |
| Storm Shutters | Storm Shutters |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 66,211 sqft (1.52 acres) |
| Garage Area | 809 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 717 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0221-005-00000 |
|---|---|
| Street Address | 3906 FM 678 |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-7538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | CRISP WW 0221 ACRES 1.52 |
| Legal Subdivision | CRISP WW |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE SOUTHEAST |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 702 |
3906 FM 678, a rural home, is owned and occupied by two individuals.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3906 FM 678, GAINESVILLE, TX 76240-7538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3906 FM 678 was $6,216 with exemptions applied, up 150.8% from the year before.
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 | $6,216.00 (+150.85%) Homeowner's exemption Senior Citizen's exemption | $409,430 (+11.79%) | $427,150 (+16.62%) Land $55,711 Building $371,439 |
| 2025 | $2,478.00 (-13.17%) Homeowner's exemption Senior Citizen's exemption | $366,264 Land $55,422 Building $310,842 | $366,264 Land $55,422 Building $310,842 |
| 2024 | $2,854.00 | ||
| 2023 | $328,938 | $378,972 Land $49,422 Building $329,550 | |
| 2022 | $4,139.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3906 FM 678 in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3906 FM 678 is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 55% of Texas |
|---|---|
| Wildfire Likelihood | 0.2% 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 8 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 |
May also be available: ElektraFi, Optimum.
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