Joanna Ruesch

502 Ritchey Street

Gainesville, TX
$ 304,000 Beds 4 Baths 2 Sq 2,079 Virtual Tour
Monthly Estimate* How much can I afford?

ASSUMABLE LOAN AT 4.37% + NO HOA — a rare combination in today's market! Welcome to this beautifully designed one-level home in Gainesville, where eye-catching curb appeal and architectural charm shine with tray ceilings throughout, including the foyer. The open layout highlights a kitchen with a center island flowing into the main living space, perfect for gathering and everyday comfort. A spacious laundry room adds convenience, while the primary suite features an ensuite bath with dual sinks and a framed shower. Step outside to a fenced backyard with a covered patio, shaded by mature trees — a peaceful spot to relax or entertain, with no HOA to worry about. Ideally located near Interstate 35, this home offers easy access to nearby cities like Denton and Dallas, along with close proximity to local shopping, dining, and the charm of historic downtown Gainesville. Don't wait — with a below-market assumable rate of 4.37% and zero HOA fees, this one won't last. Discounted rate options and no lender fee future refinancing may also be available for qualified buyers of this home. Schedule your tour today!

Active

  • Price
  • $ 304,000
  • City
  • Gainesville
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • COOKE
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.165 Acres
  • Zip
  • 76240
  • Sqr Footage
  • 2,079
  • Year Built
  • 2017
  • Taxes
  • $ 6755
  • Style
  • Traditional
  • MLS#
  • 21256055
Listed By: Orchard Brokerage
Data Source: North Texas Real Estate Info Systems (NTREIS)

Features

General

Heating Central,Electric
Cooling Ceiling Fan(s),Central Air
Utilities City Sewer,City Water,Sewer Available
Possession Closing/Funding
Roof Composition
Appliances Dishwasher,Disposal,Microwave
Number of Garage Spaces 2
School District Gainesville ISD
Year Built 2017
Architectural Style Traditional
Levels One
Unexempt Taxes 6755
Will Subdivide No
Property Subtype Single Family Residence
Subdivision Name Robertson Add #2
Transaction Type For Sale
Occupant Type Owner
County Cooke
Property Type Residential
Construction Materials Brick,Other
Year Built Details Preowned
HOA Type None
Full Baths 2
Status Active
Directions Head South on N. Grand avenue toward Myrtle Street. Turn Left onto Eldridge Street. Turn Right onto Ritchey Street. The house will be on the left
City Gainesville
Elementary School Name Edison
High School Gainesvill
Elementary School Edison
Virtual Tour URL Unbranded https://www.propertypanorama.com/instaview/ntreis/21256055
Standard Status Active
Junior High School Gainesvill
Listing Terms Assumable,Cash,Conventional,FHA,VA Loan

Interior Features

Interior Features Double Vanity,Eat-in Kitchen,Open Floorplan
Dining Areas 1
Living Areas 1
Room Count 3
Lock Box Type Supra
Total Bedrooms 4
Total Baths 2
Laundry Features On Site

Exterior Features

Lot Features Corner Lot
Vegetation Grassed
Fencing Back Yard
Lot Size Source Public Records
Parking Features Driveway,Garage
Lot Size Less Than .5 Acre (not Zero)
Covered Spaces 2
Foundation Slab
Lot Size Area 0.1650
Lot Size Units Acres
Structural Style Single Detached
Garage Y/N Yes
Lot Size Square Feet 7187.4000
Lot Size Acres 0.1650
Attached Garage Y/N Yes

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Waco, TX office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Edison Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

5/1/2026 Listed $320,350
8/19/2026 6% - $304,000

Property vs Zip Code Average in 76240

Price
AVG $550K
$300K
Taxes
AVG $5,231
$6,755
Year Built
AVG 1989
2017
Visits
AVG 183
351
Data Provided by Inside Real Estate®

Areas That We Cover

502 Ritchey Street Gainesville, TX is a Single Family Home for sale at $304000 with 2079 sqft and a lot size of 0.165 Acres Acre(s). 502 Ritchey Street Gainesville has 4 bedrooms, 2 baths and was built in 2017. The property's zip code is 76240 which is in Gainesville, TX

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Joanna Ruesch

Joanna Ruesch

830-515-6166

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