10408 Gardner Ave, Lubbock, TX 79424 Property Records

Lubbock County property record for 10408 Gardner Ave, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 2019
Lot Size	0.124 acres (5,443 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,632 (2025)
Deeds & Mortgages	Jun 2020 Sale Jul 2019 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R328410`

Property Details

APN / Parcel Number

Primary APN	`R328410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,540 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,443 sqft (0.124 acres)
Garage Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10408 GARDNER AVE
City	LUBBOCK
State	TX
Zip	79424-3951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD VILLAS L 179
Legal Subdivision	LAKEWOOD VILLAS
Legal Lot Number	1790
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10408 GARDNER AVE, LUBBOCK, TX 79424-3951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2020	Warranty Deed, Transfer OTHER
Jul 1, 2019	Trustee's Deed, Construction Loan · Construction Mortgage LUBBOCK NAT'L BK
Apr 6, 2019	Loan Modification, Mortgage LUBBOCK NAT'L BK
Jan 6, 2019	Loan Modification, 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	Jun 5, 2020
Deed Sale	Jun 5, 2020
Deed Document Number	2020022381
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUBBOCK TX
Recording Date	Jun 5, 2020
Property Address	10408 GARDNER AVE, LUBBOCK, TX 79424-3951
Document Number	0000022381
Instrument Date	Jun 4, 2020
Instrument	22381
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10408 GARDNER AVE LUBBOCK TX 79424, LUBBOCK, TX 79424

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LUBBOCK TX
Recording Date	Jul 1, 2019
Property Address	10408 GARDNER AVE, LUBBOCK, TX 79424-3951
Instrument Date	Jun 26, 2019
Instrument	24883
Transaction Type	Construction Loan
Record Updated	Jul 17, 2019
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	0000024883
Date	Jul 1, 2019
Instrument	24883

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	10408 GARDNER AVE, LUBBOCK, TX 79424-3951
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	10408 GARDNER AVE, LUBBOCK, TX 79424-3951
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

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	10408 GARDNER AVE, LUBBOCK, TX 79424-3951
Document Number	0000006321
Instrument Date	Jan 6, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018

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	$1,632.00 (-31.02%) Homeowner's exemption	$209,509 (-0.12%) Land $25,000 Building $184,509	$209,509 (-6.61%) Land $25,000 Building $184,509
2024	$2,366.00 (+0.47%)
2023	$2,355.00 (-33.23%) Homeowner's exemption	$209,756 Land $25,000 Building $199,331	$224,331 Land $25,000 Building $199,331
2022	$3,527.00

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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