526 N Commerce St, Gainesville, TX 76240 Property Records

Cooke County property record for 526 N Commerce St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,324 sqft · built 1940
Lot Size	0.2 acres (8,716 sqft)
Owner	Individual Name on Record
Tax Bill	$3,608 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`2740-007-00004`

Property Details

APN / Parcel Number

Primary APN	`2740-007-00004`
Alternative APN	`17137`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,324 sqft Living Area
Gross Area	1,629 sqft
1st Floor Area	1,324 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	8,716 sqft (0.2 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	89 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2740-007-00004
Street Address	526 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 4
Legal Subdivision	SCOTT ADDN
Legal Block	7
Legal Lot Number	4
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	4
Census Block	4020
Census Tract	500

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	3860 FM 678, GAINESVILLE, TX 76240-1511
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage NASCOGA FCU
Jun 14, 2023	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2023
Deed Sale	Jun 14, 2023
Prior Sale	Feb 16, 2007 · Amount on Record
Deed Document Number	20234069
Deed Book / Page	2585 / 346
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	526 N COMMERCE ST, GAINESVILLE, TX 76240-3935
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002550/33
Date	Nov 22, 2022
Book Page	2550/33
Instrument	2022-9598

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 14, 2037

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Jun 14, 2023
Property Address	526 N COMMERCE ST, GAINESVILLE, TX 76240-3935
Document Number	002585/346
Book / Page	2585 / 346
Instrument Date	Sep 29, 2022
Instrument	2023-4069
Transaction Type	Transfer
Record Updated	Jul 5, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 COUNTY ROAD 199, GAINESVILLE, TX 76240-7372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 N COMMERCE ST, GAINESVILLE, TX 76240-3935

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	$3,608.00 (+6.78%)	$172,471 (+6.77%) Land $39,130 Building $133,341	$172,471 (+6.77%) Land $39,130 Building $133,341
2025	$3,379.00 (+10.39%)	$161,533 (+16.54%) Land $39,130 Building $122,403	$161,533 (+16.3%) Land $39,130 Building $122,403
2024	$3,061.00 (+31.15%)
2023		$138,609 (+1%) Land $32,594 Building $106,302	$138,896 (+10.23%) Land $32,594 Building $106,302
2022	$2,334.00 Homeowner's exemption	$126,008 Land $32,594 Building $93,414	$126,008 Land $32,594 Building $93,414

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	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	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 30 claims Severe Storms, Tornadoes & Flooding, May 1990 · 38 claims

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 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.

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 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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