811 Ritchey St, Gainesville, TX 76240 Property Records

Cooke County property record for 811 Ritchey St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,317 sqft · built 2025
Lot Size	0.145 acres (6,299 sqft)
Owner	Individual Name on File
Last Sale	$233,050 (Apr 2026)
Tax Bill	$4,026 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2905-005-00005`

Property Details

APN / Parcel Number

Primary APN	`2905-005-00005`
Alternative APN	`20404`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,317 sqft Living Area
Gross Area	2,302 sqft
1st Floor Area	1,317 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	6,299 sqft (0.145 acres)
Garage Type	Carport
Garage Area	500 sqft
Carport	Carport
Carport Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	222 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	2905-005-00005
Street Address	811 RITCHEY ST
City	GAINESVILLE
State	TX
Zip	76240-3534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSMITH; BLOCK 5; LOT 5
Legal Subdivision	WOODSMITH
Legal Block	5
Legal Lot Number	5
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3012
Census Tract	600

Owner

811 Ritchey St is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	811 RITCHEY ST, GAINESVILLE, TX 76240-3534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Apr 6, 2026	Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Apr 6, 2026	Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Deed Document Number	20262389
Deed Book / Page	2774 / 823
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOKE TX
Recording Date	Apr 6, 2026
Property Address	811 RITCHEY ST, GAINESVILLE, TX 76240-3534
Document Number	0000002389
Book / Page	2774 / 823
Instrument Date	Apr 2, 2026
Instrument	20262389
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	TEXAS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 RITCHEY ST, GAINESVILLE, TX 76240-3534

Mortgage

Document Number	0000002390,
Date	Apr 6, 2026
Instrument	20262390

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOKE TX
Recording Date	Apr 6, 2026
Property Address	811 RITCHEY ST, GAINESVILLE, TX 76240-3534
Document Number	002774/823
Book / Page	2774 / 823
Instrument Date	Apr 2, 2026
Instrument	20262389
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	TEXAS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 RITCHEY ST, GAINESVILLE, TX 76240-3534

Mortgage

Document Number	0000002390,
Date	Apr 6, 2026
Instrument	20262390

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.75%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 811 Ritchey St was $4,026, up 116% 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	$4,026.00 (+115.99%)	$192,455 (+115.93%) Land $25,641 Building $166,814	$192,455 (+115.93%) Land $25,641 Building $166,814
2025	$1,864.00 (-2.51%)	$89,127 Land $25,641 Building $63,486	$89,127 Land $25,641 Building $63,486
2024	$1,912.00
2023		$111,082 Land $23,310 Building $87,772	$111,082 Land $23,310 Building $87,772
2022	$2,061.00

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

Flood

FEMA maps place 811 Ritchey St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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	1 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2007 · Severe Storms, Tornadoes, And Flooding

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

The area around 811 Ritchey St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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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