455 Co Rd 295, Gainesville, TX 76240 Property Records

Cooke County property record for 455 Co Rd 295, Gainesville, TX 76240

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,722 sqft · built 1984
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Jul 2019)
Tax Bill	$5,290 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0358-001-00000`

Property Details

APN / Parcel Number

Primary APN	`0358-001-00000`
Alternative APN	`6574`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,722 sqft Living Area
Gross Area	4,819 sqft
1st Floor Area	1,722 sqft
2nd Floor Area	840 sqft
Mud Room	Mud Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	1,614 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0358-001-00000
Street Address	455 COUNTY ROAD 295
City	GAINESVILLE
State	TX
Zip	76240-8548
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ESSMAN HJ 0358 ACRES 1.0
Legal Subdivision	ESSMAN HJ
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE SOUTHEAST
Census Block Group	2
Census Block	2014
Census Tract	702

Owner

455 Co Rd 295, a rural home, is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	455 COUNTY ROAD 295, GAINESVILLE, TX 76240-8548
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
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Jul 16, 2019	Vendor's Lien, Transfer · ARM LANDMARK BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on File
Deed Sale	Jul 16, 2019 · Amount on File
Deed Document Number	201993631
Deed Book / Page	2271 / 48
Prior Transfer Date	Jul 12, 2019
Prior Transfer Doc	2271/048
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	455 COUNTY ROAD 295, GAINESVILLE, TX 76240-8548
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002466/416
Date	Nov 16, 2021
Book Page	2466/416
Instrument	10238

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	455 COUNTY ROAD 295, GAINESVILLE, TX 76240-8548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2325/501
Date	Apr 27, 2020
Book Page	2325/501
Instrument	2854

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	10.3%

July 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 16, 2019
Property Address	455 COUNTY ROAD 295, GAINESVILLE, TX 76240-8548
Document Number	2271/048
Book / Page	2271 / 048
Instrument Date	Jul 12, 2019
Instrument	00093631
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	2198 COUNTY ROAD 220, 2198, GAINESVILLE, TX 76240-8604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 COUNTY ROAD 295, GAINESVILLE, TX 76240-8548

Mortgage

Document Number	00093632
Date	Jul 16, 2019
Instrument	00093632

Lender

Name	LANDMARK BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Margin	3
Max Rate	9.5%

Tax Assessment & Valuation

The 2026 property tax bill for 455 Co Rd 295 was $5,290 with a homeowner's exemption, up 35.3% 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	Callisburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,290.00 (+35.26%) Homeowner's exemption	$382,098 (+3.31%) Land $43,020 Building $339,078	$382,098 (-0.17%) Land $43,020 Building $339,078
2025	$3,911.00 (+12.22%) Homeowner's exemption	$369,865	$382,765 Land $43,687 Building $339,078
2024	$3,485.00
2023		$305,674	$345,724 Land $31,978 Building $313,746
2022	$3,740.00

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

Flood

FEMA maps place 455 Co Rd 295 in Zone X, an area of minimal flood risk.

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	6 in force

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 455 Co Rd 295 is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 64% of Texas
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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