Cooke County property record for 703 N Commerce St, Gainesville, TX 76240
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 2 ba · 2,046 sqft · built 1940 |
| Lot Size | 0.139 acres (6,042 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,635 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 2300-074-00009 |
| Primary APN | 2300-074-00009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,046 sqft Total Area |
| 1st Floor Area | 2,046 sqft |
| 2nd Floor Area | 296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Multi-Family |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,042 sqft (0.139 acres) |
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 114 sqft |
| Account Number | 2300-074-00009 |
|---|---|
| Street Address | 703 N COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3212 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | GAINESVILLE ADDN; BLOCK 74; TR 9 |
| Legal Subdivision | GAINESVILLE ADDN |
| Legal Tract | 9 |
| Legal Block | 74 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 500 |
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 | 1115 JOSLIN, GAINESVILLE, TX 76240-1554 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2024 |
| Deed Sale | Feb 6, 2024 |
| Deed Document Number | 2024749 |
| Deed Book / Page | 2625 / 492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 703 N COMMERCE ST, GAINESVILLE, TX 76240-3212 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002517/296 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 2517/296 |
| Instrument | 2022-5154 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITESBORO, TX 76273 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,635.00 (+4.18%) | $173,768 (+4.19%) Land $27,129 Building $146,639 | $173,768 (+4.19%) Land $27,129 Building $146,639 |
| 2025 | $3,489.00 (+12.01%) | $166,785 (+1.97%) Land $27,129 Building $139,656 | $166,785 (+1.97%) Land $27,129 Building $139,656 |
| 2024 | $3,115.00 (-4.97%) | ||
| 2023 | $163,568 Land $22,597 Building $140,971 | $163,568 Land $22,597 Building $140,971 | |
| 2022 | $3,278.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 8 (1989–2009) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Apr 2009 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 |
| 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.
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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