12811 Elgin Ave, Lubbock, TX 79423 Property Records

Lubbock County property record for 12811 Elgin Ave, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,613 sqft · built 2015
Lot Size	0.484 acres (21,087 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Aug 2020 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R324964`

Property Details

APN / Parcel Number

Primary APN	`R324964`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,613 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,087 sqft (0.484 acres)
Garage Area	1,084 sqft
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12811 ELGIN AVE
City	LUBBOCK
State	TX
Zip	79423-6162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA MIA ESTATES L 95
Legal Subdivision	BELLA MIA ESTATES
Legal Lot Number	950
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1075
Census Tract	10512

Owner

12811 Elgin Ave is owned and occupied by an individual who acquired it in March 2017.

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

Owner of Record	Individual Name on File
Mailing Address	12811 ELGIN AVE, LUBBOCK, TX 79423-6162
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
Aug 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 8, 2017	Vendor's Lien, Transfer · VA Mortgage PRIMEWEST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2017
Deed Sale	Mar 8, 2017
Prior Sale	Jul 29, 2015 · Amount on File
Deed Document Number	2017008324
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12811 ELGIN AVE, LUBBOCK, TX 79423-6162
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035889
Date	Aug 20, 2020
Instrument	2020035889

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	321 Months
Due	May 1, 2047

March 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Mar 8, 2017
Property Address	12811 ELGIN AVE, LUBBOCK, TX 79423-6162
Document Number	0000008324
Map Reference	FILE2014027918
Instrument Date	Mar 7, 2017
Instrument	2017008324
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	WESTERN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12811 ELGIN AVE, LUBBOCK, TX 79423-6162

Mortgage

Document Number	0000008325
Date	Mar 8, 2017
Instrument	2017008325

Lender

Name	PRIMEWEST MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

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	Homeowner's exemption	$514,212 Land $30,800 Building $483,412	$514,212 Land $30,800 Building $483,412
2023		$426,295 Land $30,800 Building $443,887	$474,687 Land $30,800 Building $443,887

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

Flood

FEMA maps place 12811 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 12811 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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