609 Lynch St, Gainesville, TX 76240 Property Records

Cooke County property record for 609 Lynch St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,497 sqft · built 1940
Lot Size	0.215 acres (9,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,300 (Nov 2020)
Tax Bill	$3,608 (2026)
Deeds & Mortgages	Nov 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2475-002-00010`

Property Details

APN / Parcel Number

Primary APN	`2475-002-00010`
Alternative APN	`14596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,497 sqft Living Area
Gross Area	2,113 sqft
1st Floor Area	1,497 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,344 sqft (0.215 acres)
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2475-002-00010
Street Address	609 LYNCH ST
City	GAINESVILLE
State	TX
Zip	76240-2128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYNCH ADDN; BLOCK 2; LOT 10; 609 LYNCH
Legal Subdivision	LYNCH ADDN
Legal Block	2
Legal Lot Number	10
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2007
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	2 Individual Names on Record
Mailing Address	609 LYNCH ST, GAINESVILLE, TX 76240-2128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
May 11, 2017	Deed of Trust, Mortgage · FHA Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Jun 13, 2008 · Amount on Record
Deed Document Number	20209242
Deed Book / Page	2375 / 445
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	002375/445
Record Updated	Oct 29, 2026

November 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Nov 10, 2020
Property Address	609 LYNCH ST, GAINESVILLE, TX 76240-2128
Document Number	2375/445
Book / Page	2375 / 445
Map Reference	CAB B SL 107
Instrument Date	Nov 9, 2020
Instrument	2020-09242
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 235, SANGER, TX 76266-0235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LYNCH ST, GAINESVILLE, TX 76240-2128

Mortgage

Document Number	202009243
Date	Nov 10, 2020
Instrument	2020-09243

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	609 LYNCH ST, GAINESVILLE, TX 76240-2128
Transaction Type	Mortgage
Record Updated	Jul 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-74335
Date	May 11, 2017
Book Page	2131/491
Instrument	2017-74335

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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 (+82.78%) Homeowner's exemption	$172,469 (+7.03%) Land $34,296 Building $138,173	$172,469 (+7.03%) Land $34,296 Building $138,173
2025	$1,974.00 (-10.07%) Homeowner's exemption	$161,135 (+8.44%) Land $34,296 Building $126,839	$161,135 (+4.96%) Land $34,296 Building $126,839
2024	$2,195.00 (-13.28%)
2023		$148,589 Land $34,296 Building $119,229	$153,525 Land $34,296 Building $119,229
2022	$2,531.00

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	3 (1989–2007)
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, Apr 1990 · 2 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 67% of the US · lower than 91% 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 211 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: AT&T, Element8.

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