2809 20th St, Lubbock, TX 79410 Property Records

Lubbock County property record for 2809 20th St, Lubbock, TX 79410

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,330 sqft · built 1938
Lot Size	0.282 acres (12,300 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,566 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32560`

Property Details

APN / Parcel Number

Primary APN	`R32560`
Alternative APN	`R9270000000400002000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,330 sqft Living Area
1st Floor Area	2,083 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,300 sqft (0.282 acres)
Lot Dimensions	150 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	532 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2809 20TH ST
City	LUBBOCK
State	TX
Zip	79410-1512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEBB BLK 4 L 2 & E32.5OF 3
Legal Subdivision	WEBB
Legal Block	4
Legal Lot Number	2
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1005
Census Tract	1501

Owner

2809 20th St is owned and occupied by two individuals who acquired it in September 2024.

Source: Lubbock County records, as of October 1, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2809 20TH ST, LUBBOCK, TX 79410-1512
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
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit LUBBOCK NATIONAL BANK
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIWELL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2024
Deed Sale	Sep 13, 2024
Prior Sale	Sep 13, 2024
Deed Document Number	202437104
Prior Transfer Date	Dec 20, 2013
Prior Transfer Doc	0000050109
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	2809 20TH ST, LUBBOCK, TX 79410-1512
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062739
Date	Dec 10, 2021
Instrument	2021062739

Lender

Name	LUBBOCK NATIONAL BANK
Type	Bank
Address	LUBBOCK, TX 79423

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 3, 2036

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 3, 2022
Change Frequency	Monthly
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	Other

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	2809 20TH ST, LUBBOCK, TX 79410-1512
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004597
Date	Jan 29, 2021
Instrument	2021004597

Lender

Name	SIWELL INC
Type	Non-Lending Institution
Address	LUBBOCK, TX 79413

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 2809 20th St was $8,566, up 16.3% from the year before.

Source: Lubbock County assessment roll, as of October 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	$8,566.00 (+16.28%)	$552,734 Land $60,000 Building $492,734	$552,734 Land $60,000 Building $492,734
2024	$7,367.00 (+8.71%)
2023	$6,777.00 (-5.7%) Homeowner's exemption	$414,291 Land $39,360 Building $427,797	$467,157 Land $39,360 Building $427,797
2022	$7,187.00

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

Flood

FEMA maps place 2809 20th 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	1 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 2809 20th 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	Direct burnable vegetation

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 620 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Optimum Cable · Fiber in parts of the area	940 / 35
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Telespan.

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