6950 FM 678, Gainesville, TX 76240 Property Records

Cooke County property record for 6950 FM 678, Gainesville, TX 76240

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,159 sqft · built 2023
Lot Size	11 acres (482,558 sqft)
Owner	2 Individual Names on File
Last Sale	$298,252 (May 2022)
Tax Bill	$7,545 (2026)
Deeds & Mortgages	May 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0894-009-00000`

Property Details

APN / Parcel Number

Primary APN	`0894-009-00000`
Alternative APN	`322416`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,159 sqft Living Area
1st Floor Area	2,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	482,558 sqft (11 acres)
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	976 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0894-009-00000
Street Address	6950 FM 678
City	GAINESVILLE
State	TX
Zip	76240-7654
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DE LOS SANTOS G 0894 ACRES 11.078
Legal Subdivision	DE LOS SANTOS G
Jurisdiction	COOKE TX
Township / Civil Division	CALLISBURG
Census Block Group	2
Census Block	2031
Census Tract	100

Owner

6950 FM 678, a rural home, is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	6950 FM 678, GAINESVILLE, TX 76240-7654
Occupancy	Owner Occupied
Owner Type	Individual

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
May 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
May 16, 2022	Vendor's Lien, Transfer INDEPENDENCE BANK
May 24, 2021	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Deed Document Number	20224316
Deed Book / Page	2510 / 810
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	6950 FM 678, GAINESVILLE, TX 76240-7654
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 VERNON DR, PROVIDENCE VILLAGE, TX 76227-7968

Mortgage

Document Number	002580/169
Date	May 18, 2023
Book Page	2580/169
Instrument	2023-3409

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	May 16, 2022
Property Address	6950 FM 678, GAINESVILLE, TX 76240-7654
Document Number	002510/810
Book / Page	2510 / 810
Map Reference	VOL 2480 PG 591
Instrument Date	May 13, 2022
Instrument	4316
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 VERNON DR, PROVIDENCE VILLAGE, TX 76227-7968

Mortgage

Date	May 16, 2022

Lender

Name	INDEPENDENCE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

May 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	COOKE TX
Recording Date	May 24, 2021
Property Address	6950 FM 678, GAINESVILLE, TX 76240-7654
Document Number	002420/423
Book / Page	2420 / 423
Instrument Date	May 18, 2021
Instrument	4316
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 CEDARWOOD LN, NOVATO, CA 94947-4799

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 BUCK ST, GAINESVILLE, TX 76240-3002

Tax Assessment & Valuation

The 2026 property tax bill for 6950 FM 678 was $7,545 with a homeowner's exemption, up 19.8% from the year before.

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	$7,545.00 (+19.78%) Homeowner's exemption	$544,956 (+0.48%)	$840,453 (+3.79%) Land $341,369 Building $499,084
2025	$6,299.00 (+158.47%) Homeowner's exemption	$542,328 Land $43,244 Building $499,084	$809,773 Land $310,689 Building $499,084
2024	$2,437.00
2023		$1,850 Land $1,850	$320,398 Land $320,398

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 6950 FM 678 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1990.

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

Wildfire risk around 6950 FM 678 is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 67% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rise Broadband Fixed Wireless	300 / 60
ElektraFi Fixed Wireless	100 / 20

May also be available: AT&T, Element8, Nextlink, Optimum, T-Mobile, Verizon.

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