514 Ritchey St, Gainesville, TX 76240 Property Records

Cooke County property record for 514 Ritchey St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,014 sqft · built 1940
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$135,128 (Sep 2025)
Tax Bill	$2,118 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2710-002-00003`

Property Details

APN / Parcel Number

Primary APN	`2710-002-00003`
Alternative APN	`20385`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,014 sqft Living Area
Gross Area	1,426 sqft
1st Floor Area	1,014 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Porch	Slab
Porch Area	112 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	2710-002-00003
Street Address	514 RITCHEY ST
City	GAINESVILLE
State	TX
Zip	76240-4332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROBERTSON ADDN #2; BLOCK 2; LOT 3
Legal Subdivision	ROBERTSON ADDN #2
Legal Block	2
Legal Lot Number	3
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3024
Census Tract	600

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	3300 DARBY LN, DENTON, TX 76207-1306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 22, 2021	Vendor's Lien, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Nov 22, 2021 · Amount on Record
Deed Document Number	20256138
Deed Book / Page	2731 / 682
Prior Transfer Date	Nov 19, 2021
Prior Transfer Doc	002468/262
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	514 RITCHEY ST, GAINESVILLE, TX 76240-4332
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 DARBY LN, DENTON, TX 76207-1306
Investor	Possibly a Property Investor

Mortgage

Document Number	002731/685
Date	Sep 3, 2025
Book Page	2731/685
Instrument	2025-6139

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

November 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Nov 22, 2021
Property Address	514 RITCHEY ST, GAINESVILLE, TX 76240-4332
Document Number	002468/262
Book / Page	2468 / 262
Map Reference	CAB B SL 15
Instrument Date	Nov 19, 2021
Instrument	10488
Transaction Type	Transfer
Record Updated	Sep 18, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 RITCHEY ST, GAINESVILLE, TX 76240-4332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010489
Date	Nov 22, 2021
Instrument	10489

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,118.00 (+91.16%) Homeowner's exemption	$101,252 (-) Land $28,490 Building $72,762	$101,252 (-) Land $28,490 Building $72,762
2025	$1,108.00 (+8.95%) Homeowner's exemption	$101,252 (+13.52%) Land $28,490 Building $72,762	$101,252 (+6.71%) Land $28,490 Building $72,762
2024	$1,017.00 (-25%)
2023		$89,194 Land $25,900 Building $68,985	$94,885 Land $25,900 Building $68,985
2022	$1,356.00

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	1 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding

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	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 562 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
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Element8.

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