Cooke County property record for 818 S Rusk St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,760 sqft · built 1955 |
| Lot Size | 0.219 acres (9,518 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,400 (Oct 2014) |
| Tax Bill | $5,160 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2720-003-00002 |
| Primary APN | 2720-003-00002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,760 sqft Living Area |
| Gross Area | 1,884 sqft |
| 1st Floor Area | 1,520 sqft |
| Flooring | Ceramic Tile |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 9,518 sqft (0.219 acres) |
| Porch | Slab |
| Porch Area | 124 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2720-003-00002 |
|---|---|
| Street Address | 818 S RUSK ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-5345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSS ADDN; BLOCK 3; LOT 2 |
| Legal Subdivision | ROSS ADDN |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 6 |
| Census Block | 6015 |
| Census Tract | 1100 |
818 S Rusk St is owned and occupied by an individual who bought it in October 2014.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 818 S RUSK ST, GAINESVILLE, TX 76240-5345 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2014 · Amount on File |
| Deed Sale | Oct 24, 2014 · Amount on File |
| Prior Sale | Nov 15, 2005 · Amount on File |
| Deed Document Number | 201452444 |
| Deed Book / Page | 1970 / 732 |
| Prior Transfer Date | Oct 22, 2014 |
| Prior Transfer Doc | 1970/732 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 818 S RUSK ST, GAINESVILLE, TX 76240-5345 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Title Company | CHICAGO TITLE HOU |
| Name | Verified Name |
|---|
| Document Number | 002500/765 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 2500/765 |
| Instrument | 2022-3090 |
| Name | RESOURCE ONE CU |
|---|---|
| Type | Credit Union |
| Address | DALLAS, TX 75215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2026 property tax bill for 818 S Rusk St was $5,160 with a homeowner's exemption, up 51.2% from the year before.
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,160.00 (+51.23%) Homeowner's exemption | $246,635 (+7.3%) Land $52,455 Building $194,180 | $246,635 (-) Land $52,455 Building $194,180 |
| 2025 | $3,412.00 (+10.03%) Homeowner's exemption | $229,859 Land $52,455 Building $194,180 | $246,635 Land $52,455 Building $194,180 |
| 2024 | $3,101.00 | ||
| 2023 | $189,966 Land $43,697 Building $193,827 | $237,524 Land $43,697 Building $193,827 | |
| 2022 | $3,350.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 818 S Rusk St in Zone X, an area of minimal flood risk, though there have been 70 flood claims nearby since 1981.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 70 (1981–2020) |
| Claims Outside the SFHA | 28 of 70 |
| Most Recent Claim | Jan 2020 · river or lake flooding |
| Claims by Event |
|
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 risk around 818 S Rusk St is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 81% of Texas |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 298 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 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Element8, Nextlink, Verizon.
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