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422 S Commerce St, Gainesville, TX 76240 Property Records

Cooke County property record for 422 S Commerce St, Gainesville, TX 76240

Property Summary

Property TypeVacant Land
Details3 bd · 2 ba · 1,338 sqft · built 2025
Lot Size0.103 acres (4,487 sqft)
Owner2 Individual Names on Record
Last Sale$339,535 (Apr 2025)
Tax Bill$4,298 (2026)
Deeds & MortgagesApr 2025 Mortgage
Flood ZoneZone X (minimal risk)
APN2032-000-00001

Property Details

APN / Parcel Number

Primary APN2032-000-00001
Alternative APN
  • 321188

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,338 sqft Living Area
1st Floor Area1,338 sqft

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Lot Area4,487 sqft (0.103 acres)
Garage Area240 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2032-000-00001
Street Address422 S COMMERCE ST
CityGAINESVILLE
StateTX
Zip76240-4716
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionBETT CARR ADDITION; LOT 1; ACRES .103
Legal SubdivisionBETT CARR ADDITION
Legal Lot Number1
JurisdictionCOOKE TX
Township / Civil DivisionGAINESVILLE
Census Block Group5
Census Block5020
Census Tract1100

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 Record2 Individual Names on Record
Mailing Address422 S COMMERCE ST, GAINESVILLE, TX 76240-4716
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 14, 2025 · Amount on Record
Deed SaleApr 14, 2025 · Amount on Record
Prior SaleJul 24, 2023
Deed Document Number20252437
Deed Book / Page2704 / 660
Record UpdatedOct 29, 2026

April 2025: Vendor's Lien, Subdivision Related Transfer

Document TypeVendor's Lien
JurisdictionCOOKE TX
Recording DateApr 14, 2025
Property Address422 S COMMERCE ST, GAINESVILLE, TX 76240-4716
Document Number002704/660
Book / Page2704 / 660
Map ReferenceCAB A SL 275
Instrument DateApr 10, 2025
Instrument2025-2437
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 11, 2025

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3934 DICKINSON AVEAUP, AUBREY, TX 76227

Transferred To (Grantee/Buyer)

NameVerified Name
Address422 S COMMERCE ST, GAINESVILLE, TX 76240-4716

Mortgage

Document Number0020252438
DateApr 14, 2025
Instrument2025-2438
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2055

Tax Assessment & Valuation

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

TypeName
StateTexas
CountyCooke County
MunicipalityGainesville City
Unified School DistrictGainesville Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,298.00 (+731.33%) Homeowner's exemption$205,431 (+730.96%) Land $24,722 Building $180,709$205,431 (+730.96%) Land $24,722 Building $180,709
2025$517.00 (+10.47%)$24,722 (+20.04%) Land $24,722$24,722 (+20.04%) Land $24,722
2024$468.00 (+4.46%)
2023$20,594 Land $20,594$20,594 Land $20,594
2022$448.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims26 (1981–2009)
Claims Outside the SFHA11 of 26
Most Recent ClaimApr 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 RiskLow
lower than 64% of the US · lower than 88% of Texas
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemCITY OF GAINESVILLE
serves 18,107 people · EPA ID TX0490001
Water SourceSurface water
Last State InspectionApr 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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