Cooke County property record for 912 Locust St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,026 sqft · built 1940 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,075 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2300-126-00005 |
| Primary APN | 2300-126-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,026 sqft Living Area |
| Gross Area | 1,098 sqft |
| 1st Floor Area | 1,026 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Wood |
| Foundation Type | Block |
| Roof Material | Rolled Roofing |
| Lot Area | 7,501 sqft (0.172 acres) |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | Window A/C |
|---|
| Account Number | 2300-126-00005 |
|---|---|
| Street Address | 912 LOCUST ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-5831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GAINESVILLE ADDN; BLOCK 126; TR 5 |
| Legal Subdivision | GAINESVILLE ADDN |
| Legal Tract | 5 |
| Legal Block | 126 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 1100 |
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 | 912 LOCUST ST, GAINESVILLE, TX 76240-5831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2016 |
| Deed Sale | Apr 20, 2016 |
| Prior Sale | Jul 21, 2005 |
| Deed Document Number | 201664981 |
| Deed Book / Page | 2065 / 404 |
| Prior Transfer Date | Sep 30, 2013 |
| Prior Transfer Doc | 1898/640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOKE TX |
| Property Address | 912 LOCUST ST, GAINESVILLE, TX 76240-5831 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2454/777 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 2454/777 |
| Instrument | 8660 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | GAINESVILLE, TX 76241 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 18% |
| Index | Other |
| Max Rate | 18% |
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 | $1,075.00 (+110.37%) Homeowner's exemption | $51,404 (+1%) | $82,586 (+11.22%) Land $30,525 Building $52,061 |
| 2025 | $511.00 (+16.14%) Homeowner's exemption | $46,731 (+21%) Land $30,525 Building $43,731 | $74,256 (+1.21%) Land $30,525 Building $43,731 |
| 2024 | $440.00 | ||
| 2023 | $38,621 Land $27,750 Building $45,618 | $73,368 Land $27,750 Building $45,618 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 85% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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 484 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 |
May also be available: AT&T, Element8, T-Mobile.
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