405 Holly Ln, Gainesville, TX 76240 Property Records

Cooke County property record for 405 Holly Ln, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1980
Lot Size	0.296 acres (12,885 sqft)
Owner	2 Individual Names on File
Last Sale	$204,300 (Jul 2018)
Tax Bill	$5,481 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2855-021-00023`

Property Details

APN / Parcel Number

Primary APN	`2855-021-00023`
Alternative APN	`17971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,710 sqft Living Area
Gross Area	2,837 sqft
1st Floor Area	1,710 sqft
Flooring	Laminate Plank
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	12,885 sqft (0.296 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	408 sqft
Storage Building	64 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2855-021-00023
Street Address	405 HOLLY LN
City	GAINESVILLE
State	TX
Zip	76240-4518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEELER CREEK ADDN; BLOCK 21; LOT 23
Legal Subdivision	WHEELER CREEK ADDN
Legal Block	21
Legal Lot Number	23
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	1
Census Block	1023
Census Tract	600

Owner

405 Holly Ln is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 HOLLY LN, GAINESVILLE, TX 76240-4518
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

Date	Document
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jul 30, 2018	Vendor's Lien, Transfer · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	Mar 15, 2016 · Amount on File
Deed Document Number	201885013
Deed Book / Page	2208 / 48
Prior Transfer Date	Jul 27, 2018
Prior Transfer Doc	2208/048
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	405 HOLLY LN, GAINESVILLE, TX 76240-4518
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002324/529
Date	Apr 20, 2020
Book Page	2324/529
Instrument	2730

Lender

Name	FIRST STATE BANK
Type	Bank
Address	DENTON, TX 76201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

July 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 30, 2018
Property Address	405 HOLLY LN, GAINESVILLE, TX 76240-4518
Document Number	2208/048
Book / Page	2208 / 048
Map Reference	CAB A SL 21
Instrument Date	Jul 27, 2018
Instrument	00085013
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 HOLLY LN, GAINESVILLE, TX 76240-4518

Mortgage

Document Number	00085014
Date	Jul 30, 2018
Instrument	00085014

Lender

Name	FIRST STATE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 405 Holly Ln was $5,481 with a homeowner's exemption, up 24.7% 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	$5,481.00 (+24.68%) Homeowner's exemption	$261,988 (-5.39%) Land $53,940 Building $208,048	$261,988 (-6.82%) Land $53,940 Building $208,048
2025	$4,396.00 (+12.37%) Homeowner's exemption	$276,905 Land $53,940 Building $227,235	$281,175 Land $53,940 Building $227,235
2024	$3,912.00
2023		$228,847 Land $53,992 Building $220,907	$274,899 Land $53,992 Building $220,907
2022	$4,119.00

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

Flood

FEMA maps place 405 Holly Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1988.

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	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

The area around 405 Holly Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 355 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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