Cooke County property record for 706 N Commerce St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,080 sqft · built 1940 |
| Lot Size | 0.101 acres (4,400 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,316 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 2300-070-00008 |
| Primary APN | 2300-070-00008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 1,192 sqft |
| 1st Floor Area | 1,080 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Composition Shingle |
| Lot Area | 4,400 sqft (0.101 acres) |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2300-070-00008 |
|---|---|
| Street Address | 706 N COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GAINESVILLE ADDN; BLOCK 70; TR 8; ACRES .101 |
| Legal Subdivision | GAINESVILLE ADDN |
| Legal Tract | 8 |
| Legal Block | 70 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3028 |
| 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 | 88 COUNTY ROAD 111, WHITESBORO, TX 76273-4740 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2024 |
| Deed Sale | Oct 24, 2024 |
| Deed Document Number | 20247671 |
| Deed Book / Page | 2674 / 644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 706 N COMMERCE ST, GAINESVILLE, TX 76240-3213 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9401 FM 678, GAINESVILLE, TX 76240-7191 |
| 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 | $2,316.00 (+7.22%) | $110,710 (+7.23%) Land $19,756 Building $90,954 | $110,710 (+7.23%) Land $19,756 Building $90,954 |
| 2025 | $2,160.00 (+21.08%) | $103,249 (+31.55%) Land $19,756 Building $83,493 | $103,249 (+31.55%) Land $19,756 Building $83,493 |
| 2024 | $1,784.00 (+12.56%) | ||
| 2023 | $78,489 Land $16,456 Building $62,033 | $78,489 Land $16,456 Building $62,033 | |
| 2022 | $1,585.00 |
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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