403 S Morris St, Gainesville, TX 76240 Property Records

Cooke County property record for 403 S Morris St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1970
Lot Size	0.262 acres (11,413 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Feb 2019)
Tax Bill	$4,792 (2026)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2135-009-00003`

Property Details

APN / Parcel Number

Primary APN	`2135-009-00003`
Alternative APN	`1453`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,472 sqft Living Area
Gross Area	2,225 sqft
1st Floor Area	1,472 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2019
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	11,413 sqft (0.262 acres)
Porch	Patio
Porch Area	673 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2135-009-00003
Street Address	403 S MORRIS ST
City	GAINESVILLE
State	TX
Zip	76240-4915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLEMENTS I; BLOCK 9; LOT 2 & 3 PTS OF
Legal Subdivision	CLEMENTS I
Legal Block	9
Legal Lot Number	2,3
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	4
Census Block	4027
Census Tract	1100

Owner

403 S Morris St is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 S MORRIS ST, GAINESVILLE, TX 76240-4915
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on File
Deed Sale	Feb 19, 2019 · Amount on File
Prior Sale	Apr 22, 2016
Deed Document Number	201989688
Deed Book / Page	2241 / 566
Prior Transfer Date	Feb 2, 2018
Prior Transfer Doc	0000083957
Record Updated	Oct 29, 2026

February 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 19, 2019
Property Address	403 S MORRIS ST, GAINESVILLE, TX 76240-4915
Document Number	002241/566
Book / Page	2241 / 566
Map Reference	CAB B SL 12
Instrument Date	Feb 15, 2019
Instrument	2019-89688
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	TEXAS PREMIER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 S MORRIS ST, GAINESVILLE, TX 76240-4915

Mortgage

Document Number	0201989689
Date	Feb 19, 2019
Instrument	2019-89689

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2026 property tax bill for 403 S Morris St was $4,792 with exemptions applied, up 151.4% 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	$4,792.00 (+151.42%) Homeowner's exemption Senior Citizen's exemption	$229,059 (-) Land $43,915 Building $185,144	$229,059 (-) Land $43,915 Building $185,144
2025	$1,906.00 (-13.95%) Homeowner's exemption Senior Citizen's exemption	$229,059 Land $43,915 Building $185,144	$229,059 Land $43,915 Building $185,144
2024	$2,215.00
2023		$193,907 Land $39,942 Building $166,548	$206,490 Land $39,942 Building $166,548
2022	$3,191.00

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

Flood

FEMA maps place 403 S Morris St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1989.

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	4 in force
Nearby Flood Claims	13 (1989–2009)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Apr 2009 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 9 claims Severe Storms, Tornadoes & Flooding, Apr 1990 · 3 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

Wildfire risk around 403 S Morris St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 326 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, T-Mobile.

Nearby Properties on S Morris St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures