809 S Clements St, Gainesville, TX 76240 Property Records

Cooke County property record for 809 S Clements St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1940
Lot Size	0.154 acres (6,700 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Aug 2019)
Tax Bill	$2,771 (2026)
Deeds & Mortgages	May 2023 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2025-008-00009`

Property Details

APN / Parcel Number

Primary APN	`2025-008-00009`
Alternative APN	`4625`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	992 sqft Living Area
Gross Area	1,013 sqft
1st Floor Area	992 sqft
Flooring	Carpet

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	6,700 sqft (0.154 acres)
Porch	Slab
Porch Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2025-008-00009
Street Address	809 S CLEMENTS ST
City	GAINESVILLE
State	TX
Zip	76240-5507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELMONT; BLOCK 8; LOT 9
Legal Subdivision	BELMONT
Legal Block	8
Legal Lot Number	9
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2021
Census Tract	1100

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	Individual Name on Record
Mailing Address	1610 BONANZA LN, DENTON, TX 76208-1420
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST NA
Aug 26, 2019	Vendor's Lien, Transfer · Commercial Mortgage COMMUNITY NATIONAL BANK & TRUST OF

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Prior Sale	Nov 1, 2012 · Amount on Record
Deed Document Number	201994761
Deed Book / Page	2279 / 773
Prior Transfer Date	Aug 20, 2019
Prior Transfer Doc	2279/773
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	809 S CLEMENTS ST, GAINESVILLE, TX 76240-5507
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002576/411
Date	May 2, 2023
Book Page	2576/411
Instrument	2023-2904

Lender

Name	GUARANTY BANK & TRUST NA
Type	Bank
Address	DENTON, TX 76210

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 5, 2043

Interest

Rate Type	Adjustable Rate

August 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Aug 26, 2019
Property Address	809 S CLEMENTS ST, GAINESVILLE, TX 76240-5507
Document Number	2279/773
Book / Page	2279 / 773
Map Reference	CAB B SL 20&21
Instrument Date	Aug 20, 2019
Instrument	2019-94761
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 E HERNDON ST, 500, SAINT JO, TX 76265-2127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 BONANZA LN, DENTON, TX 76208-1420
Investor	Possibly a Property Investor

Mortgage

Document Number	201994762
Date	Aug 26, 2019
Instrument	2019-94762

Lender

Name	COMMUNITY NATIONAL BANK & TRUST OF
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,771.00 (+6.99%)	$132,447 (+6.97%) Land $27,269 Building $105,178	$132,447 (+6.97%) Land $27,269 Building $105,178
2025	$2,590.00 (+13.4%)	$123,819 (+5.69%) Land $27,269 Building $96,550	$123,819 (+5.69%) Land $27,269 Building $96,550
2024	$2,284.00 (-8.49%)
2023		$117,152 Land $24,790 Building $92,362	$117,152 Land $24,790 Building $92,362
2022	$2,496.00

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

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 Policies	6 in force
Nearby Flood Claims	14 (1990–2015)
Claims Outside the SFHA	7 of 14
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2007 · 4 claims Severe Storms, Tornadoes & Flooding, May 1990 · 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 90% of Texas
Wildfire Likelihood	0.04% 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 484 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: AT&T, Element8, T-Mobile.

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