Cooke County property record for 409 N Commerce St, Gainesville, TX 76240
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 2,400 sqft |
| Lot Size | 0.116 acres (5,049 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $876 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 2740-004-00003 |
| Primary APN | 2740-004-00003 |
|---|---|
| Alternative APN |
|
| Building Area | 2,400 sqft Total Area |
|---|
| Lot Area | 5,049 sqft (0.116 acres) |
|---|
| Account Number | 2740-004-00003 |
|---|---|
| Street Address | 409 N COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3917 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | SCOTT ADDN; BLOCK 4; LOT 2 & 3 PTS OF |
| Legal Subdivision | SCOTT ADDN |
| Legal Block | 4 |
| Legal Lot Number | 2,3 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 104 SANTA FE TRL, GAINESVILLE, TX 76240-9417 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2011 |
| Deed Sale | Sep 22, 2011 |
| Deed Document Number | 201122805 |
| Deed Book / Page | 1767 / 282 |
| Prior Transfer Date | Sep 6, 2011 |
| Prior Transfer Doc | 0000022805 |
| Record Updated | Oct 29, 2026 |
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $876.00 | $41,876 (-) Land $15,150 Building $26,726 | $41,876 (-) Land $15,150 Building $26,726 |
| 2025 | $876.00 (+10.47%) | $41,876 (+7.43%) Land $15,150 Building $26,726 | $41,876 (+7.43%) Land $15,150 Building $26,726 |
| 2024 | $793.00 (-1%) | ||
| 2023 | $38,979 Land $15,150 Building $23,829 | $38,979 Land $15,150 Building $23,829 | |
| 2022 | $801.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 (2007–2015) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 348 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 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
May also be available: Element8, Nextlink, T-Mobile.
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