Cooke County property record for 515 Carnes St, Gainesville, TX 76240 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,316 sqft · built 1922 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,192 (2025) |
| Deeds & Mortgages | Mar 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 2510-015-00007 |
| Primary APN | 2510-015-00007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,316 sqft Living Area |
| Gross Area | 2,060 sqft |
| 1st Floor Area | 1,316 sqft |
| 2nd Floor Area | 564 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,501 sqft (0.172 acres) |
| Porch | Patio |
| Porch Area | 84 sqft |
| Storage Building | 96 sqft |
| Account Number | 2510-015-00007 |
|---|---|
| Street Address | 515 CARNES ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTGOMERY ADDN; BLOCK 15; LOT 7-8 |
| Legal Subdivision | MONTGOMERY ADDN |
| Legal Block | 15 |
| Legal Lot Number | 7-8 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 400 |
Source: Cooke County records · APN 2510-015-00007
Assessment roll updated June 2, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 9609 OXBOW LN, LITTLE ELM, TX 75068-1315 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 515 CARNES ST, GAINESVILLE, TX 76240-3260 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9609 OXBOW LN, OAK POINT, TX 75068-1315 |
| Document Number | 002566/608 |
|---|---|
| Date | Mar 09, 2023 |
| Book Page | 2566/608 |
| Instrument | 2023-1509 |
| Name | AMERICAN NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WICHITA FALLS, TX 76308 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Apr 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 7% |
| Max Rate At Change | 9% |
| Index | Other |
| Margin | 3 |
| Max Rate | 13% |
Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,192.00 (+14.12%) | $152,596 (+24.05%) Land $33,675 Building $118,921 | $152,596 (+24.05%) Land $33,675 Building $118,921 |
| 2024 | $2,797.00 (+12.46%) | ||
| 2023 | $123,013 Land $28,050 Building $94,963 | $123,013 Land $28,050 Building $94,963 | |
| 2022 | $2,487.00 |
Source: FEMA National Flood Hazard Layer, Cooke County (48097C), updated April 26, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480970004002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2007–2015) |
| Most Recent Claim | May 2015, rainfall accumulation, Severe Storms, Tornadoes, Straight-line Winds And Flooding |
| Wildfire Risk | Low above 20% of the US · above 6% of Texas |
|---|---|
| Wildfire Likelihood | About 1 in 8,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 164 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Nortex Communications | Fiber | 2,000 / 2,000 |
| Optimum Communications | Cable | 940 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| ElektraFi | Fixed Wireless (licensed-by-rule) | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: AMG Technology Investment Group, Element8 Technology Investment Group, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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