400 Aspen Rd, Gainesville, TX 76240 Property Records

Cooke County property record for 400 Aspen Rd, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,393 sqft · built 1987
Lot Size	0.36 acres (15,673 sqft)
Owner	2 Individual Names on File
Tax Bill	$14,264 (2026)
Deeds & Mortgages	Jul 2026 Sale Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`2855-025-00005`

Property Details

APN / Parcel Number

Primary APN	`2855-025-00005`
Alternative APN	`11629`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	3,393 sqft Living Area
Gross Area	6,524 sqft
1st Floor Area	3,393 sqft
2nd Floor Area	1,554 sqft
Flooring	Tile

Interior Amenities

Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	15,673 sqft (0.36 acres)
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Porch Area	343 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2855-025-00005
Street Address	400 ASPEN RD
City	GAINESVILLE
State	TX
Zip	76240-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEELER CREEK ADDN; 2855; BLOCK 25; LOT 5
Legal Subdivision	WHEELER CREEK ADDN
Legal Block	25
Legal Lot Number	5
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	1
Census Block	1001
Census Tract	600

Owner

400 Aspen Rd is owned and occupied by two individuals who acquired it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	400 ASPEN RD, GAINESVILLE, TX 76240-4510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Affidavit, Transfer
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage SFMC LP
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage NETWORK CAPITAL FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 23, 2025
Transfer Doc	002707/176
Record Updated	Oct 29, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	COOKE TX
Recording Date	Jul 13, 2026
Property Address	400 ASPEN RD, GAINESVILLE, TX 76240-4510
Document Number	0000005212
Book / Page	2795 / 685
Instrument Date	Jul 10, 2026
Instrument	20265212
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 ASPEN RD, GAINESVILLE, TX 76240-4510

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	400 ASPEN RD, GAINESVILLE, TX 76240-4510
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	TEXAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2448/588
Date	Sep 14, 2021
Book Page	2448/588
Instrument	2021-07856

Lender

Name	SFMC LP
Type	Mortgage Company
Address	MCKINNEY, TX 75070

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	400 ASPEN RD, GAINESVILLE, TX 76240-4510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2355/820
Date	Aug 26, 2020
Book Page	2355/820
Instrument	2020-06713

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 400 Aspen Rd was $14,264 with exemptions applied, up 1% from the year before.

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Municipality	Gainesville City
Unified School District	Gainesville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,264.00 (+9.99%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$681,827 (+1%)	$742,936 (-) Land $58,324 Building $684,612
2025	$12,968.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$619,843 Land $58,324 Building $684,612	$742,936 Land $58,324 Building $684,612
2023		$512,267 Land $58,304 Building $687,914	$746,218 Land $58,304 Building $687,914
2022	$460.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 Aspen Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1988–2015)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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

Wildfire risk around 400 Aspen Rd is moderate, ranking above 66% 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 66% of the US · above 53% 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.

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Element8.

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