412 Willow Way, Gainesville, TX 76240 Property Records

Cooke County property record for 412 Willow Way, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 1967
Lot Size	0.302 acres (13,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,296 (Nov 2022)
Tax Bill	$5,672 (2026)
Deeds & Mortgages	Jul 2006 Reverse Mortgage Feb 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2855-005-00003`

Property Details

APN / Parcel Number

Primary APN	`2855-005-00003`
Alternative APN	`11553`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,737 sqft Living Area
Gross Area	2,460 sqft
1st Floor Area	1,695 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	13,151 sqft (0.302 acres)
Garage Type	Carport
Garage Area	506 sqft
Carport	Carport
Carport Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	259 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2855-005-00003
Street Address	412 WILLOW WAY
City	GAINESVILLE
State	TX
Zip	76240-4509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEELER CREEK ADDN; BLOCK 5; LOT 3
Legal Subdivision	WHEELER CREEK ADDN
Legal Block	5
Legal Lot Number	3
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	1
Census Block	1022
Census Tract	600

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	412 WILLOW WAY, GAINESVILLE, TX 76240-4509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2006	Deed of Trust, Mortgage · Reverse Mortgage FINANCIAL FREEDOM SENIOR FUNDING CORP
Feb 20, 2026	Warranty Deed, Transfer GUARDIAN TITLE COMPANY
Nov 22, 2022	Vendor's Lien, Transfer · Seller Carry-Back BOB STICK ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Oct 29, 2021
Deed Document Number	20229559
Deed Book / Page	2549 / 634
Record Updated	Oct 29, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	412 WILLOW WAY, GAINESVILLE, TX 76240-4509
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001443/036
Date	Jul 21, 2006
Book Page	1443/036
Instrument	2006-00016338

Lender

Name	FINANCIAL FREEDOM SENIOR FUNDING CORP
Type	Reverse Mortgage Lender
Address	ROSEVILLE, CA 95661

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.77%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2006
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	16.7%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Feb 20, 2026
Property Address	412 WILLOW WAY, GAINESVILLE, TX 76240-4509
Document Number	002766/330
Book / Page	2766 / 330
Map Reference	CAB B SL 118
Instrument Date	Feb 20, 2026
Instrument	2026-1242
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	GUARDIAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 WILLOW WAY, GAINESVILLE, TX 76240-4508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WILLOW WAY, GAINESVILLE, TX 76240-4509

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Nov 22, 2022
Property Address	412 WILLOW WAY, GAINESVILLE, TX 76240-4509
Document Number	002549/634
Book / Page	2549 / 634
Map Reference	CAB B SL 118
Instrument Date	Nov 9, 2022
Instrument	2022-9559
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	GAINESVILLE TITLE COMPANY INC, GAINESVILLE TITLE CO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2577, ADA, OK 74821-2577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WILLOW WAY, GAINESVILLE, TX 76240-4509

Mortgage

Document Number	0020229560
Date	Nov 22, 2022
Instrument	2022-9560

Lender

Name	BOB STICK ETAL
Type	Seller
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2027

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
2026	$5,672.00 (+29.38%) Homeowner's exemption	$271,120 (-1.89%) Land $54,562 Building $216,558	$271,120 (-1.89%) Land $54,562 Building $216,558
2025	$4,384.00 (+9.05%) Homeowner's exemption	$276,337 (+18.07%) Land $54,562 Building $221,775	$276,337 (+18.07%) Land $54,562 Building $221,775
2024	$4,020.00 (-18.77%)
2023		$234,046 Land $54,577 Building $179,469	$234,046 Land $54,577 Building $179,469
2022	$4,949.00

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
Nearby Flood Claims	4 (1988–2015)
Claims Outside the SFHA	2 of 4
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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 355 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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