5955 FM 678, Gainesville, TX 76240 Property Records

Cooke County property record for 5955 FM 678, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,847 sqft · built 1971
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$219,664 (Sep 2026)
Tax Bill	$2,913 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0491-020-00000`

Property Details

APN / Parcel Number

Primary APN	`0491-020-00000`
Alternative APN	`2558`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,847 sqft Living Area
Gross Area	2,535 sqft
1st Floor Area	1,222 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Combination
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft
Storage Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0491-020-00000
Street Address	5955 FM 678
City	GAINESVILLE
State	TX
Zip	76240-0611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMILTON J 0491 ACRES .35
Legal Subdivision	HAMILTON J
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2066
Census Tract	100

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	5955 FM 678, GAINESVILLE, TX 76240-0611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 25, 2019	Vendor's Lien, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 28, 2018	Special Warranty Deed, Transfer
Aug 30, 2018	Special Warranty Deed, Foreclosure SERVICELINK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2026 · Amount on Record
Deed Sale	Sep 22, 2026 · Amount on Record
Prior Sale	Feb 25, 2019 · Amount on Record
Deed Document Number	20267154
Deed Book / Page	2810 / 555
Prior Transfer Date	Feb 22, 2019
Prior Transfer Doc	2243/026
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOKE TX
Recording Date	Sep 22, 2026
Property Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Document Number	0000007154
Book / Page	2810 / 555
Instrument Date	Sep 21, 2026
Instrument	20267154
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5955 FM 678, GAINESVILLE, TX 76240-0611

Mortgage

Document Number	0000007155,
Date	Sep 22, 2026
Book Page	2810/560
Instrument	20267155

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2411/637
Date	Apr 13, 2021
Book Page	2411/637
Instrument	2021-03129

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

February 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 25, 2019
Property Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Document Number	2243/026
Book / Page	2243 / 026
Map Reference	VOL 2234 PG 369
Instrument Date	Feb 22, 2019
Instrument	2019-89908
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9563 JACKSON MAPLE RD, 9563, PILOT POINT, TX 76258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5955 FM 678, GAINESVILLE, TX 76240-0611

Mortgage

Document Number	201989909
Date	Feb 25, 2019
Instrument	2019-89909

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Dec 28, 2018
Property Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Document Number	2234/369
Book / Page	2234 / 369
Instrument Date	Dec 28, 2018
Instrument	2018-88624
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2018: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	COOKE TX
Recording Date	Aug 30, 2018
Property Address	5955 FM 678, GAINESVILLE, TX 76240-0611
Document Number	2214/323
Book / Page	2214 / 323
Instrument Date	Jul 3, 2018
Instrument	2018-85858
Transaction Type	Foreclosure
Record Updated	Nov 9, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 TECHNOLOGY DR, 1000, O FALLON, MO 63368-2222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Unified School District	Callisburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,913.00 (+92.66%) Homeowner's exemption	$210,402 (+7%) Land $51,798 Building $158,604	$210,402 (-) Land $51,798 Building $158,604
2025	$1,512.00 (+1.14%) Homeowner's exemption	$196,633 (+21%) Land $51,798 Building $158,604	$210,402 (+21.81%) Land $51,798 Building $158,604
2024	$1,495.00 (-17.4%)
2023		$162,506 Land $34,750 Building $137,985	$172,735 Land $34,750 Building $137,985
2022	$1,810.00

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	2 in force
Nearby Flood Claims	4 (1990–2011)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Nov 2011 · rainfall accumulation

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	Moderate above 58% of the US · above 40% of Texas
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WOODBINE SPECIAL UTILITY DISTRICT serves 8,151 people · EPA ID TX0490018
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	Under 1 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	2 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 37 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
Rise Broadband Fixed Wireless	300 / 60
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20

May also be available: Element8, Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on FM 678

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