1440 78th St, Lubbock, TX 79423 Property Records

Lubbock County property record for 1440 78th St, Lubbock, TX 79423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,266 sqft · built 2005
Lot Size	0.123 acres (5,377 sqft)
Owner	Owner Name on Record
Tax Bill	$1,020 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R307148`

Property Details

APN / Parcel Number

Primary APN	`R307148`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,266 sqft Living Area

Exterior

Year Built	Built 2005
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,377 sqft (0.123 acres)
Lot Dimensions	119 ft deep x 45 ft wide
Garage Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1440 78TH ST
City	LUBBOCK
State	TX
Zip	79423-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR MEADOWS L 88
Legal Subdivision	CEDAR MEADOWS
Legal Lot Number	880
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	2
Census Block	2007
Census Tract	2206

Owner

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

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

Owner of Record	Owner Name on Record
Mailing Address	PO BOX 53611, LUBBOCK, TX 79453-3611
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit LUBBOCK NATIONAL BANK
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit LUBBOCK NATIONAL BANK
Jun 12, 2023	Deed of Trust, Mortgage · Line of Credit LUBBOCK NATIONAL BANK
Jul 8, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 21, 2005
Transfer Doc	0000046525
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	1440 78TH ST, LUBBOCK, TX 79423-4530
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022864
Date	Jun 21, 2023
Instrument	2023022864

Lender

Name	LUBBOCK NATIONAL BANK
Type	Bank
Address	LUBBOCK, TX 79423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 12, 2038

Interest

Rate Type	Adjustable Rate
Rate	9%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Monthly
Min Rate At Change	9%
Max Rate At Change	11%
Index	Prime Rate
Margin	1
Max Rate	15%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	1440 78TH ST, LUBBOCK, TX 79423-4530
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022865
Date	Jun 21, 2023
Instrument	2023022865

Lender

Name	LUBBOCK NATIONAL BANK
Type	Bank
Address	AMARILLO, TX 79105

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	1440 78TH ST, LUBBOCK, TX 79423-4530
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021528
Date	Jun 12, 2023
Instrument	2023021528

Lender

Name	LUBBOCK NATIONAL BANK
Type	Bank
Address	LUBBOCK, TX 79423

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 12, 2038

Interest

Rate Type	Adjustable Rate
Rate	9%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Monthly
Min Rate At Change	9%
Max Rate At Change	11%
Index	Prime Rate
Margin	1
Max Rate	15%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	1440 78TH ST, LUBBOCK, TX 79423-4530
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034420
Date	Jul 8, 2021
Instrument	2021034420

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	273 Months
Due	Apr 1, 2044

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 Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,020.00 Homeowner's exemption	$166,642 (+9.27%) Land $28,000 Building $138,642	$166,642 (+2.82%) Land $28,000 Building $138,642
2024	$1,020.00 (+0.79%)
2023	$1,012.00 (-45.82%) Homeowner's exemption	$152,507 Land $12,000 Building $150,070	$162,070 Land $12,000 Building $150,070
2022	$1,868.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · lower than 91% of Texas
Wildfire Likelihood	0.03% 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	300 / 60
Telespan Fixed Wireless	100 / 40

May also be available: Verizon.

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