4594 FM 678, Gainesville, TX 76240 Property Records

Cooke County property record for 4594 FM 678, Gainesville, TX 76240

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,232 sqft · built 1971
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Tax Bill	$3,590 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0211-011-00000`

Property Details

APN / Parcel Number

Primary APN	`0211-011-00000`
Alternative APN	`13763`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,232 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Combination
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0211-011-00000
Street Address	4594 FM 678
City	GAINESVILLE
State	TX
Zip	76240-7542
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	COLLINGWORTH C 0211 ACRES .46
Legal Subdivision	COLLINGWORTH C
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE SOUTHEAST
Census Block Group	2
Census Block	2001
Census Tract	702

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 Record	Individual Name on Record
Mailing Address	4594 FM 678, GAINESVILLE, TX 76240-7542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	4594 FM 678, GAINESVILLE, TX 76240-7542
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4594 FM 678, GAINESVILLE, TX 76240-7542

Mortgage

Document Number	002638/663
Date	Apr 15, 2024
Book Page	2638/663
Instrument	2024-2493

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	4594 FM 678, GAINESVILLE, TX 76240-7542
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002469/270
Date	Nov 24, 2021
Book Page	2469/270
Instrument	10613

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

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	$3,590.00 (+82.6%) Homeowner's exemption	$236,468 (+6.75%) Land $64,909 Building $171,559	$236,468 (-) Land $64,909 Building $171,559
2025	$1,966.00 (+4.63%) Homeowner's exemption	$221,522 (+21%)	$236,468 (+4.89%) Land $64,909 Building $171,559
2024	$1,879.00 (-13.61%)
2023		$183,076	$225,449 Land $43,900 Building $181,549
2022	$2,175.00

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

Flood

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

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

Wildfire Risk	Moderate above 69% of the US · above 58% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Nortex Communications Company Fiber	2,000 / 2,000
Nextlink Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Element8, Optimum.

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