522 Ritchey St, Gainesville, TX 76240 Property Records

Cooke County property record for 522 Ritchey St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,226 sqft · built 1940
Lot Size	0.179 acres (7,806 sqft)
Owner	Company Name on File
Last Sale	$176,890 (Jan 2022)
Tax Bill	$2,635 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2710-002-00001`

Property Details

APN / Parcel Number

Primary APN	`2710-002-00001`
Alternative APN	`3747`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,226 sqft Living Area
Gross Area	2,164 sqft
1st Floor Area	1,226 sqft
Flooring	Laminate Plank

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Metal
Lot Area	7,806 sqft (0.179 acres)
Porch	Slab
Porch Area	278 sqft
Storage Building	36 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Space Heater

Location & Zoning

Account Number	2710-002-00001
Street Address	522 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 1
Legal Subdivision	ROBERTSON ADDN #2
Legal Block	2
Legal Lot Number	1
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3024
Census Tract	600

Owner

522 Ritchey St is owned by a company that bought it in January 2022.

Source: Cooke County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	1330 CEDAR LAKE DR, PROSPER, TX 75078-8386
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST CO
Jan 20, 2022	Vendor's Lien, Transfer · Stand-Alone First Mortgage WILDCAT LENDING FUND ONE LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2022 · Amount on File
Deed Sale	Jan 20, 2022 · Amount on File
Prior Sale	Nov 2, 2012 · Amount on File
Deed Document Number	2022506
Deed Book / Page	2481 / 262
Prior Transfer Date	Oct 30, 2012
Prior Transfer Doc	001835/231
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	522 RITCHEY ST, GAINESVILLE, TX 76240-4332
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2117 SOUTH RD, WHITESBORO, TX 76273-7496

Mortgage

Document Number	002520/758
Date	Jun 27, 2022
Book Page	2520/758
Instrument	2022-5579

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	DURANT, OK 74702

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jan 20, 2022
Property Address	522 RITCHEY ST, GAINESVILLE, TX 76240-4332
Document Number	002481/262
Book / Page	2481 / 262
Map Reference	CAB B SL 15
Instrument Date	Jan 18, 2022
Instrument	2022-00506
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 632, WHITESBORO, TX 76273-0632

Mortgage

Document Number	0202200507
Date	Jan 20, 2022
Instrument	2022-00507

Lender

Name	WILDCAT LENDING FUND ONE LP
Type	Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	6 Months
Due	Jul 18, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 522 Ritchey St was $2,635, up 6.6% from the year before.

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	$2,635.00 (+6.55%)	$125,954 (+6.54%) Land $31,766 Building $94,188	$125,954 (+6.54%) Land $31,766 Building $94,188
2025	$2,473.00 (+10.4%)	$118,227 Land $31,766 Building $86,461	$118,227 Land $31,766 Building $86,461
2024	$2,240.00
2023		$111,520 Land $28,879 Building $82,641	$111,520 Land $28,879 Building $82,641
2022	$897.00

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

Flood

FEMA maps place 522 Ritchey St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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

Wildfire risk around 522 Ritchey St is low, with a 0.02% annual chance of 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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