904 N Howeth St, Gainesville, TX 76240 Property Records

Cooke County property record for 904 N Howeth St, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,202 sqft · built 1942
Lot Size	0.411 acres (17,921 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,100 (Jul 2021)
Tax Bill	$3,653 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2455-004-00001`

Property Details

APN / Parcel Number

Primary APN	`2455-004-00001`
Alternative APN	`19277`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,202 sqft Living Area
Gross Area	1,715 sqft
1st Floor Area	1,202 sqft
Utility Room	Utility Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	17,921 sqft (0.411 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	2455-004-00001
Street Address	904 N HOWETH ST
City	GAINESVILLE
State	TX
Zip	76240-3625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEE RE; BLOCK 4; LOT 1 & 2
Legal Subdivision	LEE RE
Legal Block	4
Legal Lot Number	1,2
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE
Census Block Group	3
Census Block	3008
Census Tract	600

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	904 N HOWETH ST, GAINESVILLE, TX 76240-3625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Vendor's Lien, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jun 3, 2020	Vendor's Lien, Transfer · Conventional Mortgage MORTGAGE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	20216370
Deed Book / Page	2436 / 557
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	2436/557
Record Updated	Oct 29, 2026

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jul 26, 2021
Property Address	904 N HOWETH ST, GAINESVILLE, TX 76240-3625
Document Number	2436/557
Book / Page	2436 / 557
Map Reference	VOL 2 PG 13
Instrument Date	Jul 23, 2021
Instrument	6370
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	HOWETH TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 W MAIN STB, 1307, GUN BARREL CITY, TX 75156

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 BELMONT ST, GAINESVILLE, TX 76240-2904

Mortgage

Document Number	6371
Date	Jul 26, 2021
Instrument	6371

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

June 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	COOKE TX
Recording Date	Jun 3, 2020
Property Address	904 N HOWETH ST, GAINESVILLE, TX 76240-3625
Document Number	2334/749
Book / Page	2334 / 749
Map Reference	CAB B SL 76
Instrument Date	Jun 1, 2020
Instrument	3981
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	804 S DIXON ST, 804, GAINESVILLE, TX 76240-5217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 N HOWETH ST, GAINESVILLE, TX 76240-3625

Mortgage

Document Number	3982
Date	Jun 3, 2020
Instrument	3982

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$3,653.00 (+113.5%) Homeowner's exemption Senior Citizen's exemption	$174,593 (-) Land $50,776 Building $123,817	$174,593 (-) Land $50,776 Building $123,817
2025	$1,711.00 (-23.41%) Homeowner's exemption Senior Citizen's exemption	$174,593 (+0.27%) Land $50,776 Building $123,817	$174,593 (+0.27%) Land $50,776 Building $123,817
2024	$2,234.00 (-28.51%)
2023		$174,128 Land $46,234 Building $127,894	$174,128 Land $46,234 Building $127,894
2022	$3,125.00

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	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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Texas
Wildfire Likelihood	Under 0.01% 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 510 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Element8.

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