903 Mill St, Gainesville, TX 76240 Property Records

Cooke County property record for 903 Mill St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 685 sqft · built 1922
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,300 (Feb 2021)
Tax Bill	$3,852 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2625-030-00001`

Property Details

APN / Parcel Number

Primary APN	`2625-030-00001`
Alternative APN	`20576`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	685 sqft Living Area
Gross Area	1,227 sqft
1st Floor Area	641 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Porch	Slab
Porch Area	267 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	2625-030-00001
Street Address	903 MILL ST
City	GAINESVILLE
State	TX
Zip	76240-3144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEERY ADDN; BLOCK 30; LOT 1
Legal Subdivision	PEERY ADDN
Legal Block	30
Legal Lot Number	1
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	2
Census Block	2051
Census Tract	400

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	2 Individual Names on Record
Mailing Address	903 MILL ST, GAINESVILLE, TX 76240-3144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage TEXAS STATE AFFORDABLE HOUSING CORPORATI
Feb 19, 2021	Vendor's Lien, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Prior Sale	Apr 3, 2019
Deed Book / Page	2397 / 633
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	903 MILL ST, GAINESVILLE, TX 76240-3144
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	HOWETH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 MILL ST, GAINESVILLE, TX 76240-3144

Mortgage

Document Number	002397/653
Date	Feb 19, 2021
Book Page	2397/653
Instrument	1379

Lender

Name	TEXAS STATE AFFORDABLE HOUSING CORPORATI
Type	Government Agency
Address	AUSTIN, TX 78702

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Feb 19, 2021
Property Address	903 MILL ST, GAINESVILLE, TX 76240-3144
Document Number	2397/633
Book / Page	2397 / 633
Map Reference	VOL 2234 PG 244
Instrument Date	Feb 12, 2021
Instrument	1377
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	729 N CLEMENTS ST, 729, GAINESVILLE, TX 76240-3506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 MILL ST, GAINESVILLE, TX 76240-3144

Mortgage

Document Number	202101378
Date	Feb 19, 2021
Instrument	2021-01378

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$3,852.00 (+56.97%) Homeowner's exemption	$184,103 (-) Land $21,514 Building $162,589	$184,103 (-) Land $21,514 Building $162,589
2025	$2,454.00 (-2.23%) Homeowner's exemption	$184,103 (+13.9%) Land $21,514 Building $162,589	$184,103 (+13.9%) Land $21,514 Building $162,589
2024	$2,510.00 (-17.57%)
2023		$161,639 Land $17,921 Building $143,718	$161,639 Land $17,921 Building $143,718
2022	$3,045.00

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	1 in force
Nearby Flood Claims	3 (2007–2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Straight-line Winds 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 164 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
Verizon Fixed Wireless	300 / 20
ElektraFi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Element8, Nextlink.

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