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902 N Commerce St, Gainesville, TX 76240 Property Records

Cooke County property record for 902 N Commerce St, Gainesville, TX 76240 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,639 sqft · built 1940
Lot Size0.223 acres (9,714 sqft)
Owner2 Individual Names on File
Last Sale$306,888 (Nov 2024)
Tax Bill$4,929 (2025)
Deeds & MortgagesNov 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN2770-028-0002C

Property Details

APN / Parcel Number

Primary APN2770-028-0002C
Alternative APN
  • 9006

Interior

Bedrooms4 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Building Area1,639 sqft Living Area
Gross Area1,946 sqft
1st Floor Area1,639 sqft

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Exterior MaterialWood
Roof MaterialComposition Shingle
Lot Area9,714 sqft (0.223 acres)
PorchSlab
Porch Area307 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number2770-028-0002C
Street Address902 N COMMERCE ST
CityGAINESVILLE
StateTX
Zip76240-3217
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPARKS ADDN; BLOCK 28; LOT 2; TR C; ACRES .223
Legal SubdivisionSPARKS ADDN
Legal TractC
Legal Block28
Legal Lot Number2
JurisdictionCOOKE TX
Township / Civil DivisionGAINESVILLE
Census Block Group3
Census Block3024
Census Tract500

Owner

Source: Cooke County records · APN 2770-028-0002C

Assessment roll updated June 2, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address902 N COMMERCE ST, GAINESVILLE, TX 76240-3217
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 05, 2024 · Amount on Record
Deed SaleNov 05, 2024 · Amount on Record
Prior SaleMay 26, 2022
Deed Document Number20247915
Deed Book / Page2676 / 634
Transfer Doc0000003039
Record UpdatedSep 20, 2026

November 2024: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionCOOKE TX
Recording DateNov 05, 2024
Property Address902 N COMMERCE ST, GAINESVILLE, TX 76240-3217
Document Number002676/634
Book / Page2676 / 634
Map ReferenceCAB B SL 6
Instrument DateOct 31, 2024
Instrument2024-7915
Transaction TypeTransfer
Record UpdatedJun 02, 2026

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address902 N COMMERCE ST, GAINESVILLE, TX 76240-3217

Mortgage

Document Number0020247916
DateNov 05, 2024
Instrument2024-7916
Lender
NameSIERRA PACIFIC MORTGAGE CO INC
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2054

Tax Assessment & Valuation

Source: Cooke County records · Assessment roll updated June 2, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateTexas
CountyCooke County
MunicipalityGainesville City
Unified School DistrictGainesville Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,929.00 (+99.07%)$235,609 (+116.36%) Land $43,615 Building $191,994$235,609 (+116.36%) Land $43,615 Building $191,994
2024$2,476.00 (+408.42%)
2023$108,897 Land $36,330 Building $72,567$108,897 Land $36,330 Building $72,567
2022$487.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cooke County (48097C), updated April 26, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 480970005003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims8 (1989–2009)
Claims Outside the SFHA1 of 8
Most Recent ClaimApr 2009, rainfall accumulation
Claims By Storm
  • Severe Storms, Tornadoes & Flooding, May 1990 · 5 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 348 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Nortex CommunicationsFiber2,000 / 2,000
Optimum CommunicationsCable940 / 35
VerizonFixed Wireless300 / 20
ElektraFiFixed Wireless (licensed-by-rule)100 / 20

May also be available at this address: AMG Technology Investment Group, T-Mobile USA, Element8 Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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