786 FM 1202, Gainesville, TX 76240 Property Records

Cooke County property record for 786 FM 1202, Gainesville, TX 76240

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,708 sqft · built 1987
Lot Size1.37 acres (59,677 sqft)
Owner2 Individual Names on File
Last Sale$176,600 (Feb 2017)
Tax Bill$4,594 (2026)
Deeds & MortgagesNov 2022 Mortgage
May 2018 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN0455-003-00000

Property Details

APN / Parcel Number

Primary APN0455-003-00000
Alternative APN
  • 23381

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,708 sqft Living Area
Gross Area5,136 sqft
1st Floor Area1,708 sqft
2nd Floor Area576 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialSiding
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle
Lot Area59,677 sqft (1.37 acres)
Garage Area792 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area300 sqft
PorchSlab
Porch Area555 sqft
Deck Area60 sqft
Storage Building288 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0455-003-00000
Street Address786 FM 1202
CityGAINESVILLE
StateTX
Zip76240-6600
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionHAVINS JP 0455 ACRES 1.37
Legal SubdivisionHAVINS JP
JurisdictionCOOKE TX
Township / Civil DivisionGAINESVILLE
Census Block Group1
Census Block1000
Census Tract400

Owner

786 FM 1202, a rural home, is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record2 Individual Names on File
Mailing Address786 FM 1202, GAINESVILLE, TX 76240-6600
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 18, 2022Deed of Trust, Mortgage · Stand-Alone First Mortgage
ROCKET MORTGAGE LLC
May 24, 2018Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS INC
May 24, 2018Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS INC
Feb 10, 2017Vendor's Lien, Transfer · FHA Mortgage
FIRST UNITED BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 10, 2017 · Amount on File
Deed SaleFeb 10, 2017 · Amount on File
Deed Document Number201772054
Deed Book / Page2115 / 838
Prior Transfer DateFeb 9, 2017
Prior Transfer Doc2115/838
Record UpdatedOct 29, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOKE TX
Property Address786 FM 1202, GAINESVILLE, TX 76240-6600
Transaction TypeMortgage
Record UpdatedJun 2, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002549/254
DateNov 18, 2022
Book Page2549/254
Instrument2022-9498
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2052

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOKE TX
Property Address786 FM 1202, GAINESVILLE, TX 76240-6600
Transaction TypeMortgage
Record UpdatedJun 2, 2026
Title CompanyTITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002195/443
DateMay 24, 2018
Book Page2195/443
Instrument00083227
Lender
NameQUICKEN LOANS INC
TypeLending Institution
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2048

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOKE TX
Property Address786 FM 1202, GAINESVILLE, TX 76240-6600
Transaction TypeMortgage
Record UpdatedJul 23, 2018

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2195/443
DateMay 24, 2018
Book Page2195/443
Instrument00083227
Lender
NameQUICKEN LOANS INC
TypeLending Institution
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2048

February 2017: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionCOOKE TX
Recording DateFeb 10, 2017
Property Address786 FM 1202, GAINESVILLE, TX 76240-6600
Document Number002115/838
Book / Page2115 / 838
Map ReferenceVOL 749 PG 852
Instrument DateFeb 9, 2017
Instrument2017-72054
Transaction TypeTransfer
Record UpdatedJun 2, 2026

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address786 FM 1202, GAINESVILLE, TX 76240-6600

Mortgage

Document Number0201772055
DateFeb 10, 2017
Instrument2017-72055
Lender
NameFIRST UNITED BANK & TRUST CO
TypeBank
Special NotesSeller Financed
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 786 FM 1202 was $4,594.

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

TypeName
StateTexas
CountyCooke County
Unified School DistrictSivells Bend Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,594.00$387,550 (-) Land $80,966 Building $306,584$387,550 (-) Land $80,966 Building $306,584
2025$4,594.00 (+2.94%)$387,550 Land $80,966 Building $306,584$387,550 Land $80,966 Building $306,584
2024$4,463.00
2023$407,586 Land $57,197 Building $350,389$407,586 Land $57,197 Building $350,389
2022$5,213.00

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

Flood

FEMA maps place 786 FM 1202 in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer, effective April 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims6 (1989–2015)
Claims Outside the SFHA3 of 6
Most Recent ClaimApr 2015 · rainfall accumulation
Claims by Event
  • Severe Storms, Tornadoes & Flooding, May 1989 · 2 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 786 FM 1202 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 RiskHigh
above 75% of the US · above 66% of Texas
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemCITY OF GAINESVILLE
serves 18,107 people · EPA ID TX0490001
Water SourceSurface water
Last State InspectionApr 2025
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 7 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Nextlink
Fixed Wireless
400 / 100
ElektraFi
Fixed Wireless
100 / 20

Nearby Properties on FM 1202

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