12801 Elgin Ave, Lubbock, TX 79423 Property Records

Lubbock County property record for 12801 Elgin Ave, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,508 sqft · built 2015
Lot Size	0.557 acres (24,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,800 (Dec 2015)
Tax Bill	$6,622 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R324969`

Property Details

APN / Parcel Number

Primary APN	`R324969`
Alternative APN	`R0884000000001000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,508 sqft Living Area
Gross Area	3,044 sqft
1st Floor Area	2,508 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	24,253 sqft (0.557 acres)
Garage Type	Attached
Garage Area	536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12801 ELGIN AVE
City	LUBBOCK
State	TX
Zip	79423-6162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA MIA ESTATES L 100
Legal Subdivision	BELLA MIA ESTATES
Legal Lot Number	100
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 14, 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	12801 ELGIN AVE, LUBBOCK, TX 79423-6162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 30, 2020	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG
Jul 7, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2015 · Amount on Record
Deed Sale	Dec 22, 2015 · Amount on Record
Deed Document Number	201545086
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12801 ELGIN AVE, LUBBOCK, TX 79423-6162
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12801 ELGIN AVE, LUBBOCK, TX 79423-6162

Mortgage

Document Number	0000009567
Date	Mar 16, 2023
Instrument	2023009567

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Aug 1, 2050

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	12801 ELGIN AVE, LUBBOCK, TX 79423-6162
Document Number	0000044546
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	MORTGAGE CONNECT ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12801 ELGIN AVE LUBBOCK TX 794236162, LUBBOCK, TX 79423-6162

Mortgage

Document Number	0000044546
Date	Oct 7, 2020
Instrument	44546

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12801 ELGIN AVE, LUBBOCK, TX 79423-6162
Document Number	0000042854
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12801 ELGIN AVE LUBBOCK TX 794236162, LUBBOCK, TX 79423-6162

Mortgage

Document Number	0000042854
Date	Sep 28, 2020
Instrument	42854

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

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	$6,622.00 (-3.06%) Homeowner's exemption	$399,014 (+13.84%) Land $30,800 Building $368,214	$399,014 (+1.57%) Land $30,800 Building $368,214
2024	$6,831.00 (+10.07%)
2023	$6,206.00 (-7.99%) Homeowner's exemption	$350,497 Land $30,800 Building $362,037	$392,837 Land $30,800 Building $362,037
2022	$6,745.00

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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