221 Zoar Ave, Lubbock, TX 79416 Property Records

Lubbock County property record for 221 Zoar Ave, Lubbock, TX 79416

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,855 sqft · built 1995
Lot Size	0.113 acres (4,938 sqft)
Owner	Individual Name on Record
Tax Bill	$4,365 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R92628`

Property Details

APN / Parcel Number

Primary APN	`R92628`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,855 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Lot Area	4,938 sqft (0.113 acres)
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	221 ZOAR AVE
City	LUBBOCK
State	TX
Zip	79416-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	WHISPERWOOD L 52-B-1
Legal Subdivision	WHISPERWOOD
Legal Block	1
Legal Lot Number	522
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1028
Census Tract	411

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 53436, MIDLAND, TX 79710-3436
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020
Deed Sale	Nov 3, 2020
Prior Sale	Oct 16, 2014
Deed Document Number	2020049336
Record Updated	Jun 8, 2026

November 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Nov 3, 2020
Property Address	221 ZOAR AVE, LUBBOCK, TX 79416-3102
Document Number	0000049336
Instrument Date	Oct 30, 2020
Instrument	2020049336
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17 WHISPERWOOD CIR, 17, LUBBOCK, TX 79416-3126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 53436, MIDLAND, TX 79710-3436

Mortgage

Document Number	0000049337
Date	Nov 3, 2020
Instrument	2020049337

Lender

Name	FIRSTCAPITAL BANK OF TEXAS NA
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$4,365.00 (-4.15%)	$246,726 (-11.43%) Land $50,000 Building $196,726	$246,726 (-11.43%) Land $50,000 Building $196,726
2024	$4,554.00 (-12.05%)
2023	$5,178.00 (-0.12%)	$278,578 Land $8,888 Building $269,690	$278,578 Land $8,888 Building $269,690
2022	$5,184.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 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	Not rated no burnable land within 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 685 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	300 / 60
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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