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Single Family ResidenceResidential
$279,104$276 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $261,660 on Mar 22, 2023

409 S COMMERCE ST

GAINESVILLE, TX 76240
2
Beds
2
Baths
1,012 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.

Valuation

$279K
$263K low$296K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$261,660 · Mar 22, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,891 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$281,582 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$61,301
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$220,281
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$281,526
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$281,582

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.56 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.''

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCOOKE
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 600 ft²Porch · 315 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Gainesville Jr High SchoolD
Middle · Grades 7–8 · 0.5 mi
E
Edison Elementary School
Elementary · Grades PK–1 · 1.3 mi
H
Gainesville High SchoolD+
High · Grades 9–12 · 1.4 mi

District: Gainesville Independent School District

Neighborhood · ZIP 76240These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.30,647
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,859
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,136
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

409 S Commerce St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 82% of homes in Gainesville 76240
  • Smaller than 86% of homes in Gainesville 76240
  • Has a smaller lot than 74% of homes in Cooke County

What homes are worth in Gainesville 76240

Each bar is how many homes fall in that price range. The marker is this home.

This home
$91K$1.4M

This home is worth more than 50% of homes in Gainesville 76240.

How it measures up in Gainesville 76240

The dot is this home. The mark in the middle is the typical home in Gainesville 76240.

Estimated value$279,104
CheaperTypical $279,469Pricier

Pricier than 50% of homes nearby

Price per ft²$276
CheaperTypical $171Pricier

Pricier than 82% of homes nearby

Living area1,012 ft²
SmallerTypical 1,573 ft²Bigger

Bigger than 14% of homes nearby

Lot size0.27 ac
SmallerTypical 0.39 acBigger

Bigger than 36% of homes nearby

Year built1977
OlderTypical 1980Newer

Newer than 46% of homes nearby

How 409 S Commerce St ranks against every home in each area.
MeasureThis homeGainesville 76240Cooke County
Estimated valuepricier than$279,10450% of homes39% of homes
Price per ft²pricier than$27682% of homes78% of homes
Living areabigger than1,012 ft²14% of homes14% of homes
Lot sizebigger than0.27 ac36% of homes26% of homes
Year builtnewer than197746% of homes37% of homes

About 409 S Commerce St

How much is 409 S Commerce St, Gainesville, TX worth?

The TopHap Estimate for 409 S Commerce St, Gainesville, TX is $279,104 as of Aug 30, 2026. The likely range is $262,555 to $295,653. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 S Commerce St, Gainesville, TX last sell?

409 S Commerce St, Gainesville, TX last sold on Mar 22, 2023 for $261,660, according to the county's recorded deed.

How big is 409 S Commerce St, Gainesville, TX?

409 S Commerce St, Gainesville, TX has 2 bedrooms, 2 bathrooms, 1,012 square feet of living space and a 0.27-acre lot.

When was 409 S Commerce St, Gainesville, TX built?

409 S Commerce St, Gainesville, TX was built in 1977, making it 49 years old.

What schools serve 409 S Commerce St, Gainesville, TX?

409 S Commerce St, Gainesville, TX is assigned to Gainesville Jr High School (middle), rated D; Edison Elementary School (elementary); Gainesville High School (high), rated D+. All sit in Gainesville Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 S Commerce St, Gainesville, TX compare to other homes in Gainesville 76240?

Among the 12,120 homes in Gainesville 76240, it is worth more than 50% of them ($279,104 against a typical $279,469), its price per square foot is higher than 82% of them ($276 against a typical $171), it is bigger than 14% of them (1,012 ft² against a typical 1,573 ft²), its lot is bigger than 36% of them (0.27 ac against a typical 0.39 ac) and it is newer than 46% of them (1977 against a typical 1980). Measured against all of Cooke County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 409 S Commerce St, Gainesville, TX?

The 2025 property tax bill for 409 S Commerce St, Gainesville, TX was $5,891. The county assessed it at $281,582.

More homes on S Commerce St

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Assigned schools

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