41 White Oak, Gainesville, TX 76240 Property Records

Cooke County property record for 41 White Oak, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,158 sqft · built 1987
Lot Size	0.458 acres (19,933 sqft)
Owner	Company Name on Record
Last Sale	$399,400 (Jul 2018)
Tax Bill	$9,221 (2026)
Deeds & Mortgages	Jan 2019 Transfer Jul 2018 Mortgage
Flood Zone	Zone A (high risk)
APN	`7712-010-00046`

Property Details

APN / Parcel Number

Primary APN	`7712-010-00046`
Alternative APN	`14274`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,158 sqft Living Area
Gross Area	2,447 sqft
1st Floor Area	1,158 sqft
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	19,933 sqft (0.458 acres)

Exterior Amenities

Porch	Slab
Porch Area	410 sqft
Deck Area	2,537 sqft
Boat Access	Boat Access
Boat House	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7712-010-00046
Street Address	41 WHITE OAK
City	GAINESVILLE
State	TX
Zip	76240-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS; LOT 46 & 47; SEC 10, 41 WHITE OAK
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	46,47
Jurisdiction	COOKE TX
Township / Civil Division	MUENSTER
Census Block Group	2
Census Block	2084
Census Tract	200

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	Company Name on Record
Mailing Address	41 WHITE OAK, GAINESVILLE, TX 76240-1237
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2019	Intrafamily Transfer, Transfer
Jul 31, 2018	Vendor's Lien, Transfer · Conventional Mortgage TEXANA BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Deed Document Number	201885039
Deed Book / Page	2208 / 238
Last Transfer Date	Dec 19, 2018
Transfer Doc	002235/175
Record Updated	Oct 29, 2026

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOKE TX
Recording Date	Jan 4, 2019
Property Address	41 WHITE OAK, GAINESVILLE, TX 76240-1237
Document Number	002235/175
Book / Page	2235 / 175
Map Reference	CAB A SL 3
Instrument Date	Dec 19, 2018
Instrument	00088739
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1202 COUNTRY CLUB RD, ARGYLE, TX 76226-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 COUNTRY CLUB RD, ARGYLE, TX 76226-2506

July 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 31, 2018
Property Address	41 WHITE OAK, GAINESVILLE, TX 76240-1237
Document Number	002208/238
Book / Page	2208 / 238
Map Reference	CAB A SL 3
Instrument Date	Jul 27, 2018
Instrument	00085039
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 COUNTRY CLUB RD, ARGYLE, TX 76226-2506
Investor	Possibly a Property Investor

Mortgage

Document Number	0000085040
Date	Jul 31, 2018
Instrument	00085040

Lender

Name	TEXANA BANK NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	Sivells Bend Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,221.00 (+23.76%) Homeowner's exemption	$777,828 (+1%)	$807,816 (+1.52%) Land $432,907 Building $374,909
2025	$7,451.00 (+8.9%) Homeowner's exemption	$707,116 (+21%) Land $420,839 Building $374,909	$795,748 (+36.17%) Land $420,839 Building $374,909
2024	$6,842.00 (-8.05%)
2023		$584,394 Land $300,326 Building $284,068	$584,394 Land $300,326 Building $284,068
2022	$7,441.00

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2009–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, Jun 2015 · 2 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	Moderate above 53% of the US · lower than 70% of Texas
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	400 / 100

May also be available: AT&T, ElektraFi.

Cell Coverage

5G (outdoors only) and 4G LTE

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