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981 Co Rd 260, Gainesville, TX 76240 Property Records

Cooke County property record for 981 Co Rd 260, Gainesville, TX 76240

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,897 sqft · built 2002
Lot Size2.44 acres (106,286 sqft)
Owner2 Individual Names on File
Last Sale$323,232 (Oct 2024)
Tax Bill$4,788 (2026)
Deeds & MortgagesAug 2021 Mortgage
Oct 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN0044-147-00000

Property Details

APN / Parcel Number

Primary APN0044-147-00000
Alternative APN
  • 24116

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,897 sqft Living Area
Gross Area2,421 sqft
1st Floor Area1,537 sqft

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialSiding
Foundation TypePier/Post & Beam
Roof MaterialComposition Shingle
Lot Area106,286 sqft (2.44 acres)
PorchSlab
Porch Area204 sqft
Storage Building120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0044-147-00000
Street Address981 COUNTY ROAD 260
CityGAINESVILLE
StateTX
Zip76240-6367
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBAILEY ACC 0044 ACRES 2.44
Legal SubdivisionBAILEY ACC
JurisdictionCOOKE TX
Township / Civil DivisionGAINESVILLE
Census Block Group1
Census Block1012
Census Tract1100

Owner

981 Co Rd 260 is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record2 Individual Names on File
Mailing Address181 COUNTY ROAD 173, GAINESVILLE, TX 76240-7354
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

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

DateDocument
Aug 16, 2021Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Oct 8, 2019Vendor's Lien, Transfer · Conventional Mortgage
THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 29, 2024 · Amount on File
Deed SaleOct 29, 2024 · Amount on File
Prior SaleAug 13, 2021 · Amount on File
Deed Document Number20247774
Deed Book / Page2675 / 611
Prior Transfer DateOct 8, 2019
Prior Transfer Doc2289/485
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOKE TX
Property Address981 COUNTY ROAD 260, GAINESVILLE, TX 76240-6367
Transaction TypeMortgage
Record UpdatedAug 11, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002442/150
DateAug 16, 2021
Book Page2442/150
Instrument2021-07024
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

October 2019: Vendor's Lien, Transfer

Document TypeVendor's Lien
JurisdictionCOOKE TX
Recording DateOct 8, 2019
Property Address981 COUNTY ROAD 260, GAINESVILLE, TX 76240-6367
Document Number2289/485
Book / Page2289 / 485
Instrument DateOct 8, 2019
Instrument2019-95952
Transaction TypeTransfer
Record UpdatedNov 9, 2021

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address880 KIOWA DR E, LAKE KIOWA, TX 76240-9572
InvestorPossibly a Property Investor

Mortgage

Document Number201995953
DateOct 8, 2019
Instrument2019-95953
Lender
NameTHRIVE MORTGAGE LLC
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 981 Co Rd 260 was $4,788 with a homeowner's exemption, up 56.4% from the year before.

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

Property Jurisdictions

TypeName
StateTexas
CountyCooke County
Unified School DistrictGainesville Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,788.00 (+56.37%) Homeowner's exemption$315,324 (+7.36%) Land $134,632 Building $180,692$315,324 (+7.36%) Land $134,632 Building $180,692
2025$3,062.00 (-2.3%) Homeowner's exemption$293,715 Land $113,023 Building $180,692$293,715 Land $113,023 Building $180,692
2024$3,134.00
2023$299,269 Land $109,600 Building $189,669$299,269 Land $109,600 Building $189,669
2022$4,156.00

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

Flood

FEMA maps place 981 Co Rd 260 in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective April 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims16 (1981–2015)
Claims Outside the SFHA7 of 16
Most Recent ClaimMay 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding
Claims by Event
  • Severe Storms, Tornadoes, And Flooding, Jun 2007 · 6 claims
  • Severe Storms, Tornadoes & Flooding, May 1990 · 6 claims

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 981 Co Rd 260 is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 73% of the US · above 63% of Texas
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemWOODBINE SPECIAL UTILITY DISTRICT
serves 8,151 people · EPA ID TX0490018
Water SourceGroundwater
Last State InspectionMar 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 42 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Nortex Communications Company
Fiber		2,000 / 2,000
Optimum
Cable		940 / 35
Nextlink
Fixed Wireless		500 / 100
Element8
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20
ElektraFi
Fixed Wireless		100 / 20

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