2404 38th St, Lubbock, TX 79412 Property Records

Lubbock County property record for 2404 38th St, Lubbock, TX 79412

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,324 sqft · built 1954
Lot Size	0.182 acres (7,950 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,137 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R53970`

Property Details

APN / Parcel Number

Primary APN	`R53970`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,324 sqft Living Area

Exterior

Year Built	Built 1954
Exterior Material	Asbestos
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,950 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2404 38TH ST
City	LUBBOCK
State	TX
Zip	79412-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	KELLER BLK 1 L 19
Legal Subdivision	KELLER
Legal Block	1
Legal Lot Number	19
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1014
Census Tract	2301

Owner

2404 38th St is owned and occupied by two individuals who acquired it in August 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2404 38TH ST, LUBBOCK, TX 79412-1015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Feb 5, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020
Deed Sale	Aug 3, 2020
Prior Sale	Feb 5, 2018 · Amount on File
Deed Document Number	2020032248
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	2404 38TH ST, LUBBOCK, TX 79412-1015
Document Number	0000032324
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2404 38TH ST LUBBOCK TX 794121015, LUBBOCK, TX 79412-1015

Mortgage

Document Number	0000032324
Date	Aug 3, 2020
Instrument	32324

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUBBOCK TX
Recording Date	Feb 5, 2018
Property Address	2404 38TH ST, LUBBOCK, TX 79412-1015
Document Number	0000003804
Instrument Date	Feb 2, 2018
Instrument	3804
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	HUB CITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2404 38TH ST LUBBOCK TX 794121015, LUBBOCK, TX 79412-1015

Mortgage

Document Number	3805
Date	Feb 5, 2018
Instrument	3805

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2404 38th St was $1,137 with a homeowner's exemption, down 3.1% from the year before.

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	$1,137.00 (-3.07%) Homeowner's exemption	$126,085 Land $20,000 Building $116,069	$136,069 Land $20,000 Building $116,069
2024	$1,173.00 (+15.79%)
2023	$1,013.00 (-31.55%) Homeowner's exemption	$104,203 Land $3,300 Building $128,215	$131,515 Land $3,300 Building $128,215
2022	$1,480.00

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

Flood

FEMA maps place 2404 38th St 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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 2404 38th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% 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 543 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Optimum Cable	940 / 35
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Telespan Fixed Wireless	100 / 40

May also be available: T-Mobile.

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