418 S Commerce St, Gainesville, TX 76240 Property Records

Cooke County property record for 418 S Commerce St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1930
Lot Size	0.191 acres (8,316 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,881 (2026)
Deeds & Mortgages	Sep 2025 Transfer Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2300-067-00010`

Property Details

APN / Parcel Number

Primary APN	`2300-067-00010`
Alternative APN	`21085`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	832 sqft Living Area
Gross Area	1,303 sqft
1st Floor Area	832 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	8,316 sqft (0.191 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	231 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2300-067-00010
Street Address	418 S COMMERCE ST
City	GAINESVILLE
State	TX
Zip	76240-4716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAINESVILLE ADDN; BLOCK 67; TR 10; ACRES .1909
Legal Subdivision	GAINESVILLE ADDN
Legal Tract	10
Legal Block	67
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	5
Census Block	5020
Census Tract	1100

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	418 S COMMERCE ST, GAINESVILLE, TX 76240-4716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Intrafamily Transfer, Transfer HOWETH TITLE COMPANY
Aug 29, 2023	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Apr 11, 2023	Vendor's Lien, Transfer RACHEL ASKEW KIRBY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOKE TX
Recording Date	Sep 17, 2025
Property Address	418 S COMMERCE ST, GAINESVILLE, TX 76240-4716
Document Number	002734/441
Book / Page	2734 / 441
Map Reference	VOL 2572 PG 653
Instrument Date	Sep 16, 2025
Instrument	2025-6505
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 S COMMERCE ST, GAINESVILLE, TX 76240-4716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 S COMMERCE ST, GAINESVILLE, TX 76240-4716

August 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Aug 29, 2023
Property Address	418 S COMMERCE ST, GAINESVILLE, TX 76240-4716
Document Number	002598/781
Book / Page	2598 / 781
Map Reference	VOL 2572 PG 653
Instrument Date	Aug 28, 2023
Instrument	2023-5780
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1219 BELMONT ST, GAINESVILLE, TX 76240-2903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 S COMMERCE ST, GAINESVILLE, TX 76240-4716

Mortgage

Document Number	0000005781
Date	Aug 29, 2023
Instrument	5781

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

April 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Apr 11, 2023
Property Address	418 S COMMERCE ST, GAINESVILLE, TX 76240-4716
Document Number	002572/653
Book / Page	2572 / 653
Map Reference	VOL 28 PG 484
Instrument Date	Apr 10, 2023
Instrument	2023-2331
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 WILLOW WAY, GAINESVILLE, TX 76240-4509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1219 BELMONT ST, GAINESVILLE, TX 76240-2903

Mortgage

Date	Apr 11, 2023

Lender

Name	RACHEL ASKEW KIRBY
Type	Private Party
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

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	$2,881.00 (+114.04%) Homeowner's exemption	$137,695 (+11.95%) Land $45,821 Building $91,874	$137,695 (+11.95%) Land $45,821 Building $91,874
2025	$1,346.00 (-8.56%) Homeowner's exemption	$122,995 (-) Land $45,821 Building $77,174	$122,995 (-) Land $45,821 Building $77,174
2024	$1,472.00 (-20.26%)	$122,995 (+36.69%) Land $45,821 Building $77,174	$122,995 (+36.69%) Land $45,821 Building $77,174
2023		$89,984 Land $38,170 Building $51,814	$89,984 Land $38,170 Building $51,814
2022	$1,846.00

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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