920 Co Rd 281, Gainesville, TX 76240 Property Records

Cooke County property record for 920 Co Rd 281, Gainesville, TX 76240

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 1,276 sqft · built 2009
Lot Size	4.86 acres (211,702 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2015)
Tax Bill	$5,942 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0080-001-00001`

Property Details

APN / Parcel Number

Primary APN	`0080-001-00001`
Alternative APN	`79638`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	1,276 sqft Living Area
Gross Area	3,287 sqft
1st Floor Area	1,276 sqft
2nd Floor Area	490 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	211,702 sqft (4.86 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	344 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0080-001-00001
Street Address	920 COUNTY ROAD 281
City	GAINESVILLE
State	TX
Zip	76240-8509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRUNK W 0080 ACRES 4.86
Legal Subdivision	BRUNK W
Jurisdiction	COOKE TX
Township / Civil Division	GAINESVILLE SOUTHEAST
Census Block Group	2
Census Block	2017
Census Tract	701

Owner

920 Co Rd 281 is owned and occupied by an individual who bought it in April 2015.

Source: Cooke County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	920 COUNTY ROAD 281, GAINESVILLE, TX 76240-8509
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2023	Deed of Trust, Mortgage · Line of Credit DATCU CU
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UTILITIES EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2015 · Amount on File
Deed Sale	Apr 2, 2015 · Amount on File
Prior Sale	Feb 13, 2008 · Amount on File
Deed Document Number	201556516
Deed Book / Page	2003 / 300
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	920 COUNTY ROAD 281, GAINESVILLE, TX 76240-8509
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002564/395
Date	Feb 24, 2023
Book Page	2564/395
Instrument	2023-1229

Lender

Name	DATCU CU
Type	Credit Union
Address	DENTON, TX 76210

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Mar 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOKE TX
Property Address	920 COUNTY ROAD 281, GAINESVILLE, TX 76240-8509
Transaction Type	Mortgage
Record Updated	May 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2324/701
Date	Apr 22, 2020
Book Page	2324/701
Instrument	2020-02765

Lender

Name	UTILITIES EMPLOYEES CU
Type	Credit Union
Address	READING, PA 19610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 920 Co Rd 281 was $5,942 with a homeowner's exemption, up 41.7% from the year before.

Source: Cooke County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Cooke County
Unified School District	Callisburg Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,942.00 (+41.75%) Homeowner's exemption	$429,185 (+1%)	$530,926 (-) Land $263,268 Building $267,658
2025	$4,192.00 (+12.75%) Homeowner's exemption	$390,168 Land $263,268 Building $267,658	$530,926 Land $263,268 Building $267,658
2024	$3,718.00
2023		$322,453 Land $174,875 Building $303,905	$478,780 Land $174,875 Building $303,905
2022	$3,966.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 920 Co Rd 281 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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

Wildfire risk around 920 Co Rd 281 is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 63% of Texas
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	WOODBINE SPECIAL UTILITY DISTRICT serves 8,151 people · EPA ID TX0490018
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	Under 1 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	2 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
ElektraFi Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	25 / 5

May also be available: Nextlink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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