712 Lawrence St, Gainesville, TX 76240 Property Records

Cooke County property record for 712 Lawrence St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,134 sqft · built 1940
Lot Size	0.224 acres (9,766 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,972 (2026)
Deeds & Mortgages	Jul 2022 Construction Loan May 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2550-001-00011`

Property Details

APN / Parcel Number

Primary APN	`2550-001-00011`
Alternative APN	`11622`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,134 sqft Living Area
Gross Area	1,782 sqft
1st Floor Area	1,134 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	9,766 sqft (0.224 acres)
Garage Type	Mixed
Garage Area	390 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	2550-001-00011
Street Address	712 LAWRENCE ST
City	GAINESVILLE
State	TX
Zip	76240-3445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ONEAL; BLOCK 1; LOT 11 & PT OF LTS 10 & 12
Legal Subdivision	ONEAL
Legal Block	1
Legal Lot Number	11
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	4
Census Block	4010
Census Tract	500

Owner

712 Lawrence St is owned by two individuals who acquired it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1421 HARRIS ST, GAINESVILLE, TX 76240-5530
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
Jul 19, 2022	Deed of Trust, Mortgage · Construction Mortgage NASCOGA FCU
May 29, 2020	Warranty Deed, Transfer
Apr 8, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020
Deed Sale	May 29, 2020
Prior Sale	Jan 7, 2008
Deed Document Number	20203844
Deed Book / Page	2333 / 595
Prior Transfer Date	Apr 6, 2020
Prior Transfer Doc	2322/770
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	712 LAWRENCE ST, GAINESVILLE, TX 76240-3445
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1421 HARRIS ST, GAINESVILLE, TX 76240-5530

Mortgage

Document Number	002526/402
Date	Jul 19, 2022
Book Page	2526/402
Instrument	2022-6307

Lender

Name	NASCOGA FCU
Type	Credit Union
Address	GAINESVILLE, TX 76240

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 5, 2037

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOKE TX
Recording Date	May 29, 2020
Property Address	712 LAWRENCE ST, GAINESVILLE, TX 76240-3445
Document Number	2333/595
Book / Page	2333 / 595
Instrument Date	May 28, 2020
Instrument	2020-03844
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	341160 E HIGHWAY 62, 341160, MEEKER, OK 74855-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1421 HARRIS ST, GAINESVILLE, TX 76240-5530

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOKE TX
Recording Date	Apr 8, 2020
Property Address	712 LAWRENCE ST, GAINESVILLE, TX 76240-3445
Document Number	2322/770
Book / Page	2322 / 770
Instrument Date	Apr 6, 2020
Instrument	2539
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341160 E HIGHWAY 62, MEEKER, OK 74855-1017

Tax Assessment & Valuation

The 2026 property tax bill for 712 Lawrence St was $1,972, up 7.1% from the year before.

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	$1,972.00 (+7.12%)	$94,274 (+7.12%) Land $17,919 Building $76,355	$94,274 (+7.12%) Land $17,919 Building $76,355
2025	$1,841.00 (+10.44%)	$88,010 Land $17,919 Building $70,091	$88,010 Land $17,919 Building $70,091
2024	$1,667.00
2023		$80,074 Land $17,919 Building $62,155	$80,074 Land $17,919 Building $62,155
2022	$1,508.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 712 Lawrence St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	103 (1981–2009)
Claims Outside the SFHA	6 of 103
Most Recent Claim	May 2009 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2007 · 30 claims Severe Storms, Tornadoes & Flooding, May 1990 · 38 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

Wildfire risk around 712 Lawrence St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.6% of Texas
Wildfire Likelihood	Under 0.01% 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	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 562 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: Element8.

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