Cooke County property record for 522 N Commerce St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 932 sqft · built 1940 |
| Lot Size | 0.172 acres (7,488 sqft) |
| Owner | 2 Individuals on Record |
| Tax Bill | $565 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 2740-007-00003 |
| Primary APN | 2740-007-00003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 932 sqft Living Area |
| Gross Area | 2,062 sqft |
| 1st Floor Area | 932 sqft |
| 2nd Floor Area | 800 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,488 sqft (0.172 acres) |
| Porch | Slab |
| Porch Area | 210 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2740-007-00003 |
|---|---|
| Street Address | 522 N COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCOTT ADDN; BLOCK 7; LOT 3 PT OF |
| Legal Subdivision | SCOTT ADDN |
| Legal Block | 7 |
| Legal Lot Number | 3 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 500 |
Source: Cooke County assessment roll, as of June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 522 N COMMERCE ST, GAINESVILLE, TX 76240-3935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2021 |
| Deed Sale | Nov 5, 2021 |
| Prior Sale | Apr 30, 2010 |
| Deed Document Number | 20219928 |
| Deed Book / Page | 2464 / 70 |
| Record Updated | Sep 20, 2026 |
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $565.00 (+0.36%) Homeowner's exemption Senior Citizen's exemption | $71,768 (+21%) Land $33,612 Building $65,778 | $99,390 (+6.47%) Land $33,612 Building $65,778 |
| 2024 | $563.00 (-26.31%) | ||
| 2023 | $59,313 Land $27,998 Building $65,348 | $93,346 Land $27,998 Building $65,348 | |
| 2022 | $764.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 in force |
| Nearby Flood Claims | 103 (1981–2009) |
| Claims Outside the SFHA | 6 of 103 |
| Most Recent Claim | May 2009 · river or lake flooding |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 348 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 |
| Verizon Fixed Wireless | 300 / 20 |
| ElektraFi Fixed Wireless | 100 / 20 |
May also be available: Element8, Nextlink, T-Mobile.
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