12509 Elgin Ave, Lubbock, TX 79423 Property Records

Lubbock County property record for 12509 Elgin Ave, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,636 sqft · built 2016
Lot Size	0.693 acres (30,221 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,070 (2025)
Deeds & Mortgages	May 2020 Construction Loan Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R328122`

Property Details

APN / Parcel Number

Primary APN	`R328122`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,636 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	30,221 sqft (0.693 acres)
Garage Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12509 ELGIN AVE
City	LUBBOCK
State	TX
Zip	79423-6176
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA MIA ESTATES L 112
Legal Subdivision	BELLA MIA ESTATES
Legal Lot Number	1120
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1075
Census Tract	10512

Owner

12509 Elgin Ave is owned and occupied by two individuals who acquired it in September 2016.

Source: Lubbock County records, as of February 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12509 ELGIN AVE, LUBBOCK, TX 79423-6176
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Construction Mortgage CITY BANK
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2016
Deed Sale	Sep 21, 2016
Deed Document Number	2016034202
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12509 ELGIN AVE, LUBBOCK, TX 79423-6176
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019468
Date	May 20, 2020
Instrument	2020019468

Lender

Name	CITY BANK
Type	Bank
Address	LUBBOCK, TX 79408

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 13, 2021

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12509 ELGIN AVE, LUBBOCK, TX 79423-6176
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE ONE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046196
Date	Oct 15, 2020
Instrument	2020046196

Lender

Name	CITY BANK
Type	Bank
Address	LUBBOCK, TX 79407

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12509 Elgin Ave was $7,070 with a homeowner's exemption, up 2.4% from the year before.

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	$7,070.00 (+2.43%) Homeowner's exemption	$420,645 Land $33,500 Building $387,145	$420,645 Land $33,500 Building $387,145
2024	$6,902.00 (+10.04%)
2023	$6,272.00 (-7.9%) Homeowner's exemption	$353,636 Land $33,500 Building $356,479	$389,979 Land $33,500 Building $356,479
2022	$6,810.00

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

Flood

FEMA maps place 12509 Elgin Ave in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 12509 Elgin Ave is low, with a 0.02% annual chance of 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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