10403 Gardner Ave, Lubbock, TX 79424 Property Records

Lubbock County property record for 10403 Gardner Ave, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2018
Lot Size	0.123 acres (5,396 sqft)
Owner	Individual Name on Record
Tax Bill	$3,455 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R328405`

Property Details

APN / Parcel Number

Primary APN	`R328405`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,568 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,396 sqft (0.123 acres)
Garage Area	462 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10403 GARDNER AVE
City	LUBBOCK
State	TX
Zip	79424-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD VILLAS L 174
Legal Subdivision	LAKEWOOD VILLAS
Legal Lot Number	1740
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	2
Census Block	2007
Census Tract	10421

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
Co-owner	Co-owner on Record
Mailing Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
May 31, 2019	Vendor's Lien, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 6, 2019	Loan Modification, Mortgage LUBBOCK NAT'L BK
Jan 6, 2019	Loan Modification, Mortgage LUBBOCK NAT'L BK
Mar 22, 2018	Trustee's Deed, Construction Loan · Construction Mortgage LUBBOCK NAT'L BK
Jan 6, 2018	Loan Modification, Mortgage LUBBOCK NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019
Deed Sale	May 31, 2019
Deed Document Number	2019020260
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019313
Date	May 19, 2020
Instrument	2020019313

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	May 31, 2019
Property Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Document Number	0000020260
Map Reference	FILE 2016003881
Instrument Date	May 24, 2019
Instrument	2019020260
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	TITLE ONE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714

Mortgage

Document Number	0000020261
Date	May 31, 2019
Instrument	2019020261

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Document Number	0000016195
Instrument Date	Apr 6, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 CLOUD VIEW CT PROSPER TX 750788362, PROSPER, TX 75078-8362

Mortgage

Document Number	0000016195
Date	May 7, 2019
Instrument	16195

Lender

Name	LUBBOCK NAT'L BK
Type	Bank
Address	LUBBOCK, TX 79414

Agreement

Amount	Amount Recorded

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Document Number	0000004911
Instrument Date	Jan 6, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 CLOUD VIEW CT PROSPER TX 750788362, PROSPER, TX 75078-8362

Mortgage

Document Number	0000004911
Date	Feb 12, 2019
Instrument	4911

Lender

Name	LUBBOCK NAT'L BK
Type	Bank
Address	LUBBOCK, TX 79493-6100

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 11, 2020

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LUBBOCK TX
Recording Date	Mar 22, 2018
Property Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Instrument Date	Mar 14, 2018
Instrument	10152
Transaction Type	Construction Loan
Record Updated	Apr 5, 2018
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 CLOUD VIEW CT PROSPER TX 750788362, PROSPER, TX 75078-8362

Mortgage

Document Number	0000010152
Date	Mar 22, 2018
Instrument	10152

Lender

Name	LUBBOCK NAT'L BK
Type	Bank
Address	LUBBOCK, TX 79493-6100

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 21, 2023

Interest

Rate Type	Adjustable Rate

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	10403 GARDNER AVE, LUBBOCK, TX 79424-3714
Document Number	0000006321
Instrument Date	Jan 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 CLOUD VIEW CT PROSPER TX 750788362, PROSPER, TX 75078-8362

Mortgage

Document Number	0000006321
Date	Feb 23, 2018
Instrument	6321

Lender

Name	LUBBOCK NAT'L BK
Type	Bank
Address	LUBBOCK, TX 79493-6100

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 22, 2019

Interest

Rate Type	Fixed Rate
Rate	6%

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	$3,455.00 (-38.73%) Homeowner's exemption	$255,947 (+2.29%) Land $25,000 Building $230,947	$255,947 (+2.29%) Land $25,000 Building $230,947
2024	$5,639.00 (+7.1%)
2023	$5,265.00 (+5.15%)	$250,229 Land $25,000 Building $225,229	$250,229 Land $25,000 Building $225,229
2022	$5,007.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Metronet Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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