409 S Clements St, Gainesville, TX 76240 Property Records

Cooke County property record for 409 S Clements St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,254 sqft · built 1912
Lot Size	0.196 acres (8,538 sqft)
Owner	Individual Name on File
Last Sale	$164,100 (Feb 2020)
Tax Bill	$4,024 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2135-011-0002A`

Property Details

APN / Parcel Number

Primary APN	`2135-011-0002A`
Alternative APN	`17432`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,254 sqft Living Area
Gross Area	1,865 sqft
1st Floor Area	1,254 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1990
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	8,538 sqft (0.196 acres)
Garage Type	Carport
Garage Area	176 sqft
Carport	Carport
Carport Area	176 sqft
Porch	Slab
Porch Area	186 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2135-011-0002A
Street Address	409 S CLEMENTS ST
City	GAINESVILLE
State	TX
Zip	76240-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLEMENTS I; BLOCK 11; LOT 2 PT OF
Legal Subdivision	CLEMENTS I
Legal Block	11
Legal Lot Number	2
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	4
Census Block	4020
Census Tract	1100

Owner

409 S Clements St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	409 S CLEMENTS ST, GAINESVILLE, TX 76240-5009
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
Nov 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Feb 7, 2020	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2020 · Amount on File
Deed Sale	Feb 7, 2020 · Amount on File
Prior Sale	Nov 20, 2018
Deed Document Number	20201004
Deed Book / Page	2311 / 248
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	409 S CLEMENTS ST, GAINESVILLE, TX 76240-5009
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002747/138
Date	Nov 14, 2025
Book Page	2747/138
Instrument	2025-8302

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

February 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 7, 2020
Property Address	409 S CLEMENTS ST, GAINESVILLE, TX 76240-5009
Document Number	2311/248
Book / Page	2311 / 248
Map Reference	VOL 2228 PG 217
Instrument Date	Feb 7, 2020
Instrument	2020-01004
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2110 GLEN MANOR RD, 2110, CORINTH, TX 76208-5262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S CLEMENTS ST, GAINESVILLE, TX 76240-5009

Mortgage

Document Number	202001005
Date	Feb 7, 2020
Instrument	2020-01005

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 409 S Clements St was $4,024.

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	$4,024.00	$192,353 (-) Land $34,750 Building $157,603	$192,353 (-) Land $34,750 Building $157,603
2025	$4,024.00 (+10.4%)	$192,353 Land $34,750 Building $157,603	$192,353 Land $34,750 Building $157,603
2024	$3,645.00
2023		$181,772 Land $31,591 Building $150,181	$181,772 Land $31,591 Building $150,181
2022	$3,589.00

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

Flood

FEMA maps place 409 S Clements 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 409 S Clements St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% of Texas
Wildfire Likelihood	0.04% 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 480 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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