439 Co Rd 123, Gainesville, TX 76240 Property Records

Cooke County property record for 439 Co Rd 123, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,280 sqft · built 1994
Lot Size	3.34 acres (145,490 sqft)
Owner	2 Individual Names on File
Last Sale	$342,100 (Aug 2020)
Tax Bill	$9,459 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2636-000-00001`

Property Details

APN / Parcel Number

Primary APN	`2636-000-00001`
Alternative APN	`26279`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,280 sqft Living Area
Gross Area	5,837 sqft
1st Floor Area	1,720 sqft
2nd Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	145,490 sqft (3.34 acres)
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces
Pool Area	300 sqft
Porch	Slab
Porch Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2636-000-00001
Street Address	439 COUNTY ROAD 123
City	GAINESVILLE
State	TX
Zip	76240-7605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE MEADOW EST; LOT 1; ACRES 3.34
Legal Subdivision	PINE MEADOW EST
Legal Lot Number	1
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2060
Census Tract	100

Owner

439 Co Rd 123 is owned and occupied by two individuals who bought it in August 2020.

Source: Cooke County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	439 COUNTY ROAD 123, GAINESVILLE, TX 76240-7605
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 3, 2020	Vendor's Lien, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on File
Deed Sale	Aug 3, 2020 · Amount on File
Prior Sale	May 17, 2005 · Amount on File
Deed Document Number	20205890
Deed Book / Page	2349 / 452
Prior Transfer Date	Jul 30, 2020
Prior Transfer Doc	2349/452
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	439 COUNTY ROAD 123, GAINESVILLE, TX 76240-7605
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002493/210
Date	Mar 10, 2022
Book Page	2493/210
Instrument	2022-2091

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Aug 3, 2020
Property Address	439 COUNTY ROAD 123, GAINESVILLE, TX 76240-7605
Document Number	2349/452
Book / Page	2349 / 452
Map Reference	CAB A SL 357A
Instrument Date	Jul 30, 2020
Instrument	5890
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2085 COUNTY ROAD 178, 2085, GAINESVILLE, TX 76240-7603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 COUNTY ROAD 123, GAINESVILLE, TX 76240-7605

Mortgage

Document Number	5891
Date	Aug 3, 2020
Instrument	5891

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 439 Co Rd 123 was $9,459 with a homeowner's exemption, up 24.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Unified School District	Gainesville Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,459.00 (+24.36%) Homeowner's exemption	$623,007 (+5.06%) Land $165,622 Building $457,385	$623,007 (+3.62%) Land $165,622 Building $457,385
2025	$7,606.00 (+17.58%) Homeowner's exemption	$592,977 Land $143,859 Building $457,385	$601,244 Land $143,859 Building $457,385
2024	$6,469.00
2023		$490,064 Land $143,512 Building $407,759	$551,271 Land $143,512 Building $407,759
2022	$6,510.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 439 Co Rd 123 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1990.

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	2 in force
Nearby Flood Claims	4 (1990–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Nov 2011 · rainfall accumulation

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

Wildfire risk around 439 Co Rd 123 is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 71% of Texas
Wildfire Likelihood	0.5% 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	WOODBINE SPECIAL UTILITY DISTRICT serves 8,151 people · EPA ID TX0490018
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	Under 1 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	2 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	50 / 10

May also be available: AT&T, Element8, Nortex Communications Company, Optimum.

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