Cooke County property record for 920 N Commerce St, Gainesville, TX 76240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,820 sqft · built 1940 |
| Lot Size | 0.226 acres (9,845 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $123,700 (Dec 2020) |
| Tax Bill | $4,296 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2020 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 2770-028-0001A |
| Primary APN | 2770-028-0001A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 2,774 sqft |
| 1st Floor Area | 1,820 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,845 sqft (0.226 acres) |
| Garage Type | Carport |
| Garage Area | 666 sqft |
| Carport | Carport |
| Carport Area | 666 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 2770-028-0001A |
|---|---|
| Street Address | 920 N COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPARKS ADDN; BLOCK 28; LOT 1; TR A |
| Legal Subdivision | SPARKS ADDN |
| Legal Tract | A |
| Legal Block | 28 |
| Legal Lot Number | 1 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 500 |
Source: Cooke County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 1192, GAINESVILLE, TX 76241-1192 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2020 | Vendor's Lien, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Aug 24, 2020 | Special Warranty Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2020 · Amount on Record |
| Deed Sale | Dec 28, 2020 · Amount on Record |
| Prior Sale | Aug 24, 2020 |
| Deed Document Number | 202010499 |
| Deed Book / Page | 2385 / 682 |
| Prior Transfer Date | Dec 18, 2020 |
| Prior Transfer Doc | 2385/682 |
| Record Updated | Sep 20, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Dec 28, 2020 |
| Property Address | 920 N COMMERCE ST, GAINESVILLE, TX 76240-3217 |
| Document Number | 2385/682 |
| Book / Page | 2385 / 682 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 10499 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Title Company | HOWETH TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 10500 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 10500 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Aug 24, 2020 |
| Property Address | 920 N COMMERCE ST, GAINESVILLE, TX 76240-3217 |
| Document Number | 2355/195 |
| Book / Page | 2355 / 195 |
| Map Reference | VOL 1183 PG 710 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 2020-06619 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5151 CORPORATE DR, 5151, TROY, MI 48098-2639 |
| Name | Verified Name |
|---|---|
| Address | 2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420 |
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 |
|---|---|---|---|
| 2025 | $4,296.00 (+10.38%) | $205,373 (+16.15%) Land $44,204 Building $161,169 | $205,373 (+16.15%) Land $44,204 Building $161,169 |
| 2024 | $3,892.00 (+8.93%) | ||
| 2023 | $176,811 Land $36,820 Building $139,991 | $176,811 Land $36,820 Building $139,991 | |
| 2022 | $3,573.00 |
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 Claims | 8 (1989–2009) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Apr 2009 · rainfall accumulation |
| 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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 348 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 |
May also be available: Element8, Nextlink, T-Mobile.
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