Cooke County property record for 432 S Commerce St, Gainesville, TX 76240
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 2 bd · 1 ba · 1,200 sqft · built 1940 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $32,000 (Feb 2014) |
| Tax Bill | $2,590 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 2630-004-00003 |
| Primary APN | 2630-004-00003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Units | 2 Units |
| Building Area | 1,200 sqft Total Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Multi-Family |
| Exterior Material | Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Rolled Roofing |
| Lot Area | 5,001 sqft (0.115 acres) |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | Window A/C |
|---|
| Account Number | 2630-004-00003 |
|---|---|
| Street Address | 432 S COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-4706 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | PEERY 2ND ADDN; BLOCK 4; TR 3; ACRES .1148 |
| Legal Subdivision | PEERY 2ND ADDN |
| Legal Tract | 3 |
| Legal Block | 4 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 5 |
| Census Block | 5020 |
| Census Tract | 1100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4949 LOIS RD E, SANGER, TX 76266-3598 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2014 · Amount on Record |
| Deed Sale | Feb 4, 2014 · Amount on Record |
| Deed Document Number | 201444677 |
| Deed Book / Page | 1917 / 378 |
| Prior Transfer Date | Jan 31, 2014 |
| Prior Transfer Doc | 0000044677 |
| Record Updated | Oct 29, 2026 |
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,590.00 (+3.89%) | $123,780 (+3.84%) Land $27,550 Building $96,230 | $123,780 (+3.84%) Land $27,550 Building $96,230 |
| 2025 | $2,493.00 (+10.41%) | $119,198 (+5.25%) Land $27,550 Building $91,648 | $119,198 (+5.25%) Land $27,550 Building $91,648 |
| 2024 | $2,258.00 (+6.76%) | ||
| 2023 | $113,247 Land $22,950 Building $90,297 | $113,247 Land $22,950 Building $90,297 | |
| 2022 | $2,115.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures