409 S Commerce St, Gainesville, TX 76240 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,012 sqft · built 1977
Lot Size	0.268 acres (11,687 sqft)
Owner	2 Individual Names on Record
Last Sale	$261,660 (Mar 2023)
Tax Bill	$5,890 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2300-067-00007`

Property Details

APN / Parcel Number

Primary APN	`2300-067-00007`
Alternative APN	`8434`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,012 sqft Living Area
Gross Area	3,969 sqft
1st Floor Area	1,012 sqft
2nd Floor Area	772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	11,687 sqft (0.268 acres)

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Porch Area	315 sqft
Deck Area	600 sqft
Bath House	560 sqft
Storage Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2300-067-00007
Street Address	409 S COMMERCE ST
City	GAINESVILLE
State	TX
Zip	76240-4715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAINESVILLE ADDN; BLOCK 67; LOT 7; ACRES .2683
Legal Subdivision	GAINESVILLE ADDN
Legal Block	67
Legal Lot Number	7
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	5
Census Block	5027
Census Tract	1100

Owner

Source: Cooke County records, as of August 18, 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	409 S COMMERCE ST, GAINESVILLE, TX 76240-4715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Apr 13, 2017	Vendor's Lien, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2023 · Amount on Record
Deed Sale	Mar 22, 2023 · Amount on Record
Prior Sale	Aug 15, 2022
Deed Document Number	20231862
Deed Book / Page	2569 / 279
Prior Transfer Date	Apr 13, 2017
Prior Transfer Doc	002126/001
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	409 S COMMERCE ST, GAINESVILLE, TX 76240-4715
Transaction Type	Mortgage
Record Updated	Apr 10, 2023
Title Company	ALAMO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002569/284
Date	Mar 22, 2023
Book Page	2569/284
Instrument	2023-1863

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Apr 13, 2017
Property Address	409 S COMMERCE ST, GAINESVILLE, TX 76240-4715
Document Number	002126/001
Book / Page	2126 / 001
Map Reference	VOL 852 PG 499
Instrument Date	Apr 13, 2017
Instrument	00073643
Transaction Type	Transfer
Record Updated	Mar 23, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 MACON AVE, CANON CITY, CO 81212-3220
Investor	Possibly a Property Investor

Mortgage

Document Number	0000073644
Date	Apr 13, 2017
Instrument	00073644

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$5,890.00 (+10.4%)	$281,582 (+1.16%) Land $61,301 Building $220,281	$281,582 (+1.16%) Land $61,301 Building $220,281
2024	$5,335.00 (+7.47%)
2023		$278,353 Land $51,077 Building $227,276	$278,353 Land $51,077 Building $227,276
2022	$4,964.00

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	3 in force
Nearby Flood Claims	26 (1981–2009)
Claims Outside the SFHA	11 of 26
Most Recent Claim	Apr 2009 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 12 claims Severe Storms, Tornadoes & Flooding, May 1990 · 6 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 88% 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 336 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
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Element8, Nextlink, Verizon.

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