709 N Commerce St, Gainesville, TX 76240 Property Records

Cooke County property record for 709 N Commerce St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 840 sqft · built 1930
Lot Size	0.115 acres (5,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,560 (Jul 2024)
Tax Bill	$1,921 (2026)
Deeds & Mortgages	Sep 2022 Second Mortgage Jul 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2300-074-00008`

Property Details

APN / Parcel Number

Primary APN	`2300-074-00008`
Alternative APN	`590`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	840 sqft Living Area
Gross Area	1,195 sqft
1st Floor Area	840 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	5,031 sqft (0.115 acres)
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	2300-074-00008
Street Address	709 N COMMERCE ST
City	GAINESVILLE
State	TX
Zip	76240-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAINESVILLE ADDN; BLOCK 74; TR 8; ACRES .1155
Legal Subdivision	GAINESVILLE ADDN
Legal Tract	8
Legal Block	74
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3027
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	304 W 1ST ST, LINDSAY, TX 76250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TEXAS STATE AFFORDABLE HSNG CORP
Jul 31, 2024	Vendor's Lien, Transfer · Conventional Mortgage FIRST STATE BANK
Sep 26, 2022	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Sep 26, 2022 · Amount on Record
Deed Document Number	20244976
Deed Book / Page	2657 / 87
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	709 N COMMERCE ST, GAINESVILLE, TX 76240-3212
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 N COMMERCE ST, GAINESVILLE, TX 76240-3212

Mortgage

Document Number	002539/152
Date	Sep 26, 2022
Book Page	2539/152
Instrument	2022-8079

Lender

Name	TEXAS STATE AFFORDABLE HSNG CORP
Type	Government Agency
Address	AUSTIN, TX 78752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Sep 23, 2025

July 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 31, 2024
Property Address	709 N COMMERCE ST, GAINESVILLE, TX 76240-3212
Document Number	0002657/87
Book / Page	2657 / 87
Instrument Date	Jul 25, 2024
Instrument	2024-4976
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 W 1ST ST, LINDSAY, TX 76250-2550

Mortgage

Document Number	0020244977
Date	Jul 31, 2024
Instrument	2024-4977

Lender

Name	FIRST STATE BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

September 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Sep 26, 2022
Property Address	709 N COMMERCE ST, GAINESVILLE, TX 76240-3212
Document Number	002539/128
Book / Page	2539 / 128
Instrument Date	Sep 23, 2022
Instrument	2022-8077
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 E CALIFORNIA ST, GAINESVILLE, TX 76240-4100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1454 CR 182 #A # A, A, WHITESBORO, TX 76273

Mortgage

Document Number	0020228078
Date	Sep 26, 2022
Instrument	2022-8078

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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	$1,921.00 (+110.41%) Homeowner's exemption	$91,843 (+1%)	$116,463 (+7.08%) Land $22,585 Building $93,878
2025	$913.00 (-20.33%) Homeowner's exemption	$83,494 (+45.99%) Land $22,585 Building $86,177	$108,762 (+90.17%) Land $22,585 Building $86,177
2024	$1,146.00 (-1.8%)
2023		$57,193 Land $18,812 Building $38,381	$57,193 Land $18,812 Building $38,381
2022	$1,167.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Claims	8 (1989–2009)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Apr 2009 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes & Flooding, May 1990 · 5 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 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.

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 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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