Cooke County property record for 423 N Howeth St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 885 sqft · built 1952 |
| Lot Size | 0.211 acres (9,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,614 (Apr 2023) |
| Tax Bill | $1,197 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2710-004-00012 |
| Primary APN | 2710-004-00012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 885 sqft Living Area |
| Gross Area | 1,237 sqft |
| 1st Floor Area | 885 sqft |
| Storm Shelter | Storm Shelter |
| Storm Shutters | Storm Shutters |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Asbestos |
| Roof Material | Composition Shingle |
| Lot Area | 9,204 sqft (0.211 acres) |
| Garage Type | Detached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 40 sqft |
| Cooling System | Window A/C |
|---|
| Account Number | 2710-004-00012 |
|---|---|
| Street Address | 423 N HOWETH ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-4417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBERTSON ADDN #2; BLOCK 4; LOT 12 & N 10' OF LOT 11 |
| Legal Subdivision | ROBERTSON ADDN #2 |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 600 |
Source: Cooke County records · APN 2710-004-00012
Assessment roll updated June 2, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2023 | Vendor's Lien, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Feb 27, 2020 | Vendor's Lien, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Feb 24, 2020 | Vendor's Lien, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2023 · Amount on Record |
| Deed Sale | Apr 27, 2023 · Amount on Record |
| Prior Sale | Feb 27, 2020 · Amount on Record |
| Deed Document Number | 20232830 |
| Deed Book / Page | 2575 / 745 |
| Prior Transfer Date | Sep 05, 2007 |
| Prior Transfer Doc | 0000007812 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Apr 27, 2023 |
| Property Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Document Number | 002575/745 |
| Book / Page | 2575 / 745 |
| Map Reference | VOL 1 PG 14 |
| Instrument Date | Apr 26, 2023 |
| Instrument | 2023-2830 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Investor | Possibly a Property Investor |
| Document Number | 0020232831 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 2023-2831 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Feb 27, 2020 |
| Property Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Document Number | 0002315/32 |
| Book / Page | 2315 / 32 |
| Map Reference | VOL 1 PG 14 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 2020-01518 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | SENDERA TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Document Number | 0202001519 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 2020-01519 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Feb 24, 2020 |
| Property Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Document Number | 002314/175 |
| Book / Page | 2314 / 175 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 2020-01406 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | SENDERA TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 N HOWETH ST, GAINESVILLE, TX 76240-4417 |
| Document Number | 0202001407 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020-01407 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,197.00 (-2.52%) Homeowner's exemption | $109,411 (-0.65%) Land $37,464 Building $71,947 | $109,411 (-0.65%) Land $37,464 Building $71,947 |
| 2024 | $1,228.00 (-3.69%) Homeowner's exemption | $110,125 (+29.34%) Land $37,464 Building $72,661 | $110,125 (+5.28%) Land $37,464 Building $72,661 |
| 2023 | $85,146 Land $34,059 Building $70,547 | $104,606 Land $34,059 Building $70,547 | |
| 2022 | $1,275.00 |
Source: FEMA National Flood Hazard Layer, Cooke County (48097C), updated April 26, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480970006003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2007 · Severe Storms, Tornadoes, And Flooding |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.8% of Texas |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 562 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Fiber | 2,000 / 2,000 |
| Optimum Communications Cable | 940 / 35 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
May also be available: Element8 Technology Investment Group.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF GAINESVILLE serves 18,107 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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