Cooke County property record for 908 O'Neal St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,445 sqft · built 1950 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,384 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 2550-004-00006 |
| Primary APN | 2550-004-00006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,445 sqft Living Area |
| Gross Area | 2,329 sqft |
| 1st Floor Area | 1,445 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Material | Composition Shingle |
| Lot Area | 12,001 sqft (0.276 acres) |
| Garage Type | Carport |
| Garage Area | 252 sqft |
| Carport | Carport |
| Carport Area | 252 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 16 sqft |
| Storage Building | 96 sqft |
| Cooling System | Window A/C |
|---|
| Account Number | 2550-004-00006 |
|---|---|
| Street Address | 908 ONEAL ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ONEAL; BLOCK 4; LOT 6-8 W PTS |
| Legal Subdivision | ONEAL |
| Legal Block | 4 |
| Legal Lot Number | 6-8 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 500 |
908 O'Neal St is owned and occupied by an individual.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 908 ONEAL ST, GAINESVILLE, TX 76240-3441 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 908 O'Neal St was $2,384 with a homeowner's exemption, up 110.4% 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 | $2,384.00 (+110.41%) Homeowner's exemption | $113,942 (+1%) | $138,860 (+5.87%) Land $45,069 Building $93,791 |
| 2025 | $1,133.00 (+16.09%) Homeowner's exemption | $103,584 Land $45,069 Building $86,097 | $131,166 Land $45,069 Building $86,097 |
| 2024 | $976.00 | ||
| 2023 | $85,606 Land $40,920 Building $88,610 | $129,530 Land $40,920 Building $88,610 | |
| 2022 | $1,285.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 908 O'Neal St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 47 (1989–2020) |
| Claims Outside the SFHA | 5 of 47 |
| Most Recent Claim | Jan 2020 · other causes |
| 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 908 O'Neal St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.8% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 142 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: Element8, Nextlink.
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