Cooke County property record for 490 FM 1630, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,498 sqft · built 1985 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $432,321 (Aug 2022) |
| Tax Bill | $13,574 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Aug 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1173-029-00000 |
| Primary APN | 1173-029-00000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,498 sqft Living Area |
| Gross Area | 5,096 sqft |
| 1st Floor Area | 2,969 sqft |
| Flooring | Ceramic Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 516 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 300 sqft |
| Porch | Slab |
| Porch Area | 162 sqft |
| Storage Building | 516 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1173-029-00000 |
|---|---|
| Street Address | 490 FM 1630 |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-1208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | YEAMAN E 1173 ACRES 5.0 |
| Legal Subdivision | YEAMAN E |
| Jurisdiction | COOKE TX |
| Township / Civil Division | VALLEY VIEW |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 900 |
490 FM 1630 is owned and occupied by an individual who bought it in August 2022.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| 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.
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Aug 4, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Aug 18, 2022 | Vendor's Lien, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC |
| Jun 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2022 · Amount on File |
| Deed Sale | Aug 18, 2022 · Amount on File |
| Prior Sale | Aug 18, 2022 |
| Deed Document Number | 20227122 |
| Deed Book / Page | 2532 / 256 |
| Prior Transfer Date | Sep 8, 2006 |
| Prior Transfer Doc | 0000018163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Jun 15, 2026 |
| Property Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Document Number | 0000004417 |
| Book / Page | 2789 / 478 |
| Instrument Date | May 19, 2026 |
| Instrument | 20264417 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Document Number | 0000004417, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 2789/478 |
| Instrument | 20264417 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 309 Months |
| Due | Mar 1, 2052 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Document Number | 002594/559 |
|---|---|
| Date | Aug 4, 2023 |
| Book Page | 2594/559 |
| Instrument | 2023-5239 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | Mar 1, 2052 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Aug 18, 2022 |
| Property Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Document Number | 002532/256 |
| Book / Page | 2532 / 256 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022-7122 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2025 |
| Title Company | HOWETH TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Document Number | 0020227123 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 2022-7123 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 247 Months |
| Due | Mar 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 490 FM 1630, GAINESVILLE, TX 76240-1208 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 002422/385 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 2422/385 |
| Instrument | 2021-04550 |
| Name | UNITED MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
The 2026 property tax bill for 490 FM 1630 was $13,574 with a homeowner's exemption, up 28.4% from the year before.
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,574.00 (+28.43%) Homeowner's exemption | $894,024 (+13.44%) Land $270,600 Building $623,424 | $894,024 (+13.44%) Land $270,600 Building $623,424 |
| 2025 | $10,569.00 (+7.25%) Homeowner's exemption | $788,122 Land $270,600 Building $517,522 | $788,122 Land $270,600 Building $517,522 |
| 2024 | $9,855.00 | ||
| 2023 | $718,410 Land $254,400 Building $464,010 | $718,410 Land $254,400 Building $464,010 | |
| 2022 | $6,804.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 490 FM 1630 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 | 3 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 risk around 490 FM 1630 is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 84% of Texas |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 17 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 | 500 / 100 |
| Element8 Fixed Wireless | 500 / 100 |
| ElektraFi Fixed Wireless | 100 / 20 |
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