12813 Elgin Ave, Lubbock, TX 79423 Property Records

Lubbock County property record for 12813 Elgin Ave, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 2015
Lot Size	0.539 acres (23,520 sqft)
Owner	Individual Name on Record
Tax Bill	$6,222 (2023)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R324963`

Property Details

APN / Parcel Number

Primary APN	`R324963`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,560 sqft Total 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	23,520 sqft (0.539 acres)
Garage Area	1,104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12813 ELGIN AVE
City	LUBBOCK
State	TX
Zip	79423-6162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLA MIA ESTATES L 94
Legal Subdivision	BELLA MIA ESTATES
Legal Lot Number	940
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1075
Census Tract	10512

Owner

Source: Lubbock County records, as of April 1, 2024

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12813 ELGIN AVE, LUBBOCK, TX 79423-6162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 24, 2018	Vendor's Lien, Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018
Deed Sale	May 24, 2018
Prior Sale	Jun 30, 2015
Deed Document Number	2018018848
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	12813 ELGIN AVE, LUBBOCK, TX 79423-6162
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009220
Date	Mar 1, 2021
Instrument	2021009220

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Nov 1, 2048

May 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	May 24, 2018
Property Address	12813 ELGIN AVE, LUBBOCK, TX 79423-6162
Document Number	0000018848
Map Reference	DOC2014033153
Instrument Date	May 21, 2018
Instrument	2018018848
Transaction Type	Transfer
Record Updated	Dec 23, 2021

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	12813 ELGIN AVE, LUBBOCK, TX 79423-6162

Mortgage

Document Number	0000018849
Date	May 24, 2018
Instrument	2018018849

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Lubbock County assessment roll, as of August 1, 2023

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
2023	$6,222.00 (-7.63%) Homeowner's exemption	$363,266 Land $30,800 Building $376,230	$407,030 Land $30,800 Building $376,230
2022	$6,736.00

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 98% of the US · lower than 98.8% 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 174 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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