10109 Vernon Dr, Lubbock, TX 79423 Property Records

Lubbock County property record for 10109 Vernon Dr, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,691 sqft · built 2016
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on Record
Last Sale	$196,278 (Sep 2016)
Tax Bill	$3,172 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R326123`

Property Details

APN / Parcel Number

Primary APN	`R326123`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,691 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10109 VERNON DR
City	LUBBOCK
State	TX
Zip	79423-4579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX RIDGE L 267
Legal Subdivision	FOX RIDGE
Legal Lot Number	2670
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	3
Census Block	3018
Census Tract	10511

Owner

Source: Lubbock County records, as of February 19, 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	10109 VERNON AVE, LUBBOCK, TX 79423-4489
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 12, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2016 · Amount on Record
Deed Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	2016-35685
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	10109 VERNON DR, LUBBOCK, TX 79423-4579
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10109 VERNON DR, LUBBOCK, TX 79423-4579

Mortgage

Document Number	0000046606
Date	Sep 9, 2021
Instrument	2021046606

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	10109 VERNON DR, LUBBOCK, TX 79423-4579
Document Number	0000035364
Instrument Date	Jul 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10109 VERNON AVE LUBBOCK TX 794234489, LUBBOCK, TX 79423-4489

Mortgage

Document Number	0000035364
Date	Aug 18, 2020
Instrument	35364

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 17, 2045

Tax Assessment & Valuation

Source: Lubbock County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Lubbock County
Municipality	Lubbock City
Unified School District	Lubbock-Cooper Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,172.00 (-13.12%) Homeowner's exemption	$244,290 (-5.05%) Land $32,430 Building $211,860	$244,290 (-9.26%) Land $32,430 Building $211,860
2024	$3,651.00 (-8.54%)
2023	$3,992.00 (-12.8%) Homeowner's exemption	$257,278 Land $32,430 Building $236,777	$269,207 Land $32,430 Building $236,777
2022	$4,578.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LUBBOCK PUBLIC WATER SYSTEM serves 266,450 people · EPA ID TX1520002
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	1 ppb (2023–2025) 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 738 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Metronet Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	300 / 60
Telespan Fixed Wireless	100 / 40

May also be available: Verizon.

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