406 Cedar Crst, Gainesville, TX 76240 Property Records

Cooke County property record for 406 Cedar Crst, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,204 sqft · built 2001
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Oct 2021)
Tax Bill	$3,881 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0864-002-00003`

Property Details

APN / Parcel Number

Primary APN	`0864-002-00003`
Alternative APN	`108904`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,204 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,204 sqft
Flooring	Ceramic Tile

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Mixed
Garage Area	360 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	396 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0864-002-00003
Street Address	406 CEDAR CRST
City	GAINESVILLE
State	TX
Zip	76240-7960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROCKWOOD LC 0864 ACRES 1.16
Legal Subdivision	ROCKWOOD LC
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE SOUTHEAST
Census Block Group	2
Census Block	2003
Census Tract	701

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	11641 US HIGHWAY 26, KINNEAR, WY 82516-8700
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 21, 2021	Vendor's Lien, Transfer · Conventional Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	Aug 25, 2014 · Amount on Record
Deed Book / Page	2459 / 265
Prior Transfer Date	Aug 20, 2014
Prior Transfer Doc	0000051010
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	406 CEDAR CRST, GAINESVILLE, TX 76240-7960
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002348/561
Date	Jul 30, 2020
Book Page	2348/561
Instrument	2020-05791

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

October 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Oct 21, 2021
Property Address	406 CEDAR CRST, GAINESVILLE, TX 76240-7960
Document Number	2459/265
Book / Page	2459 / 265
Map Reference	VOL 727 PG 464
Instrument Date	Oct 20, 2021
Instrument	9231
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 85, COLLINSVILLE, TX 76233-0085

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11641 US HIGHWAY 26, KINNEAR, WY 82516

Mortgage

Document Number	9232
Date	Oct 21, 2021
Instrument	9232

Lender

Name	GOLDWATER BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Unified School District	Callisburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,881.00 (+4.16%)	$280,305 (+4.14%) Land $124,968 Building $155,337	$280,305 (+4.14%) Land $124,968 Building $155,337
2025	$3,726.00 (+15%)	$269,169 (+21.7%) Land $113,832 Building $155,337	$269,169 (+21.7%) Land $113,832 Building $155,337
2024	$3,240.00 (-0.34%)
2023		$221,168 Land $81,688 Building $139,480	$221,168 Land $81,688 Building $139,480
2022	$3,251.00

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	5 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

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

Wildfire Risk	High above 72% of the US · above 63% of Texas
Wildfire Likelihood	0.4% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fixed Wireless	500 / 100
ElektraFi Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile, Verizon.

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