12505 Elgin Ave, Lubbock, TX 79423 Property Records

Lubbock County property record for 12505 Elgin Ave, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,205 sqft · built 2016
Lot Size	0.5 acres (21,796 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,634 (May 2025)
Tax Bill	$7,801 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R328124`

Property Details

APN / Parcel Number

Primary APN	`R328124`
Alternative APN	`R0884000000001140000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,205 sqft Living Area
Gross Area	3,725 sqft
1st Floor Area	2,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,796 sqft (0.5 acres)
Garage Type	Attached
Garage Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12505 ELGIN AVE
City	LUBBOCK
State	TX
Zip	79423-6176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA MIA ESTATES L 114
Legal Subdivision	BELLA MIA ESTATES
Legal Lot Number	114
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1075
Census Tract	10512

Owner

Source: Lubbock County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · VA Mortgage HOME LENDING
May 22, 2025	Vendor's Lien, Transfer · VA Mortgage T2 FINANCIAL LLC
Oct 5, 2022	Vendor's Lien, Transfer · Conventional Mortgage HURST REAL ESTATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Oct 5, 2022 · Amount on Record
Deed Document Number	202519905
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Recording Date	Jul 10, 2026
Property Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176
Document Number	0000027175
Instrument Date	Jul 2, 2026
Instrument	202627175
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027175,
Date	Jul 10, 2026
Instrument	202627175

Lender

Name	HOME LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

May 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	May 22, 2025
Property Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176
Document Number	0000019905
Map Reference	FILE 2016011742
Instrument Date	May 21, 2025
Instrument	2025019905
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	WESTENN TITLE COMPANY, WESTERN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019906
Date	May 22, 2025
Instrument	2025019906

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

October 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Oct 5, 2022
Property Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176
Document Number	0000046860
Map Reference	DOC 2016011742
Instrument Date	Sep 30, 2022
Instrument	2022046860
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	SERVICE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12505 ELGIN AVE, LUBBOCK, TX 79423-6176

Mortgage

Document Number	0000046861
Date	Oct 5, 2022
Instrument	2022046861

Lender

Name	HURST REAL ESTATE INC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

Source: Lubbock County assessment roll, as of October 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	$7,801.00 (-5.91%)	$456,005 (-1.93%) Land $30,800 Building $425,205	$456,005 (-1.93%) Land $30,800 Building $425,205
2024	$8,291.00 (-3.76%)
2023	$8,615.00 (-14%) Homeowner's exemption	$465,000 Land $30,800 Building $434,200	$465,000 Land $30,800 Building $434,200
2022	$10,017.00

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 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 94% of the US · lower than 97.4% of Texas
Wildfire Likelihood	0.02% 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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