405 Ritchey St, Gainesville, TX 76240 Property Records

Cooke County property record for 405 Ritchey St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,172 sqft · built 1950
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on File
Last Sale	$165,117 (Sep 2024)
Tax Bill	$1,879 (2025)
Deeds & Mortgages	Sep 2024 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2735-005-00004`

Property Details

APN / Parcel Number

Primary APN	`2735-005-00004`
Alternative APN	`19088`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,172 sqft Living Area
Gross Area	2,076 sqft
1st Floor Area	1,172 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,251 sqft (0.144 acres)
Garage Type	Mixed
Garage Area	640 sqft
Porch	Patio
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2735-005-00004
Street Address	405 RITCHEY ST
City	GAINESVILLE
State	TX
Zip	76240-4329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHOPMEYER & HESS; BLOCK 5; LOT 4
Legal Subdivision	SCHOPMEYER & HESS
Legal Block	5
Legal Lot Number	4
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3034
Census Tract	600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2024	Vendor's Lien, Transfer · Conventional Mortgage INDEPENDENT BANK
Oct 7, 2021	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
May 18, 2020	Warranty Deed, Transfer NOT AVAILABLE, ATD
Apr 27, 2020	Warranty Deed, Transfer ALAMO TITLE 17, ALAMO TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 5, 2024 · Amount on Record
Deed Sale	Sep 5, 2024 · Amount on Record
Prior Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	20246370
Deed Book / Page	2665 / 470
Record Updated	Sep 20, 2026

September 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Sep 5, 2024
Property Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329
Document Number	002665/470
Book / Page	2665 / 470
Instrument Date	Sep 4, 2024
Instrument	2024-6370
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4227 LANDRUM AVE, DALLAS, TX 75216-6531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329

Mortgage

Document Number	0020246371
Date	Sep 5, 2024
Instrument	2024-6371

Lender

Name	INDEPENDENT BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Oct 7, 2021
Property Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329
Document Number	002455/333
Book / Page	2455 / 333
Instrument Date	Oct 7, 2021
Instrument	2021-08737
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	CAPITAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3312 VALLEY VIEW RD, DENTON, TX 76209-8412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329

Mortgage

Document Number	0202108738
Date	Oct 7, 2021
Instrument	2021-08738

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	May 18, 2020
Property Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329
Document Number	002330/682
Book / Page	2330 / 682
Instrument Date	May 15, 2020
Instrument	2020-03475
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	NOT AVAILABLE, ATD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 VALLEY VIEW RD, DENTON, TX 76209-8412

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Apr 27, 2020
Property Address	405 RITCHEY ST, GAINESVILLE, TX 76240-4329
Document Number	002325/446
Book / Page	2325 / 446
Instrument Date	Apr 24, 2020
Instrument	2020-02844
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	ALAMO TITLE 17, ALAMO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 W WALNUT ST UNIT 1177, 1177, CELINA, TX 75009-9448
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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
2025	$1,879.00 (-10.91%) Homeowner's exemption	$156,592 (-0.63%) Land $25,438 Building $131,154	$156,592 (-7.23%) Land $25,438 Building $131,154
2024	$2,109.00 (-22.15%)
2023		$157,577 Land $23,125 Building $145,664	$168,789 Land $23,125 Building $145,664
2022	$2,709.00

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

Flood

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	1 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% 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 562 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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