Lubbock County property record for 3012 109th St, Lubbock, TX 79423
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,252 sqft · built 2005 |
| Lot Size | 0.156 acres (6,804 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,900 (Mar 2026) |
| Tax Bill | $4,480 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R303847 |
| Primary APN | R303847 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,252 sqft Living Area |
| Gross Area | 2,758 sqft |
| 1st Floor Area | 2,252 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,804 sqft (0.156 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3012 109TH ST |
|---|---|
| City | LUBBOCK |
| State | TX |
| Zip | 79423-6714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COOPER RIDGE L 27 |
| Legal Subdivision | COOPER RIDGE |
| Legal Lot Number | 27 |
| Jurisdiction | LUBBOCK TX |
| Township / Civil Division | LUBBOCK |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 10511 |
Source: Lubbock County records, as of March 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3012 109TH ST, LUBBOCK, TX 79423-6714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Mar 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Mar 3, 2026 | Vendor's Lien, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2026 · Amount on Record |
| Deed Sale | Mar 3, 2026 · Amount on Record |
| Prior Sale | Jul 9, 2015 · Amount on Record |
| Deed Document Number | 20267556 |
| Prior Transfer Date | Jul 8, 2015 |
| Prior Transfer Doc | 0000024524 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 3012 109TH ST, LUBBOCK, TX 79423-6714 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 924 MILWAUKEE AVE 2410, 2410, LUBBOCK, TX 79416-5987 |
| Document Number | 0000007557 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026007557 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.2% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.2% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 3012 109TH ST, LUBBOCK, TX 79423-6714 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 924 MILWAUKEE AVE 2410, 2410, LUBBOCK, TX 79416-5987 |
| Document Number | 0000007557 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026007557 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.2% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.2% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Recording Date | Mar 3, 2026 |
| Property Address | 3012 109TH ST, LUBBOCK, TX 79423-6714 |
| Document Number | 0000007556 |
| Map Reference | VOL 9211 PG 21 |
| Instrument Date | Mar 2, 2026 |
| Instrument | 2026007556 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 E KEANAHALULULU LN, BASTROP, TX 78602-5304 |
| Name | Verified Name |
|---|---|
| Address | 3012 109TH ST, LUBBOCK, TX 79423-6714 |
| Document Number | 0000007557 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026007557 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.2% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.2% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 3012 109TH ST, LUBBOCK, TX 79423-6714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000035396 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 2020035396 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Oct 1, 2045 |
Source: Lubbock County assessment roll, as of October 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Lubbock County |
| Municipality | Lubbock City |
| Unified School District | Lubbock-Cooper Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,480.00 (-8.85%) Homeowner's exemption | $295,490 (+8.92%) Land $24,000 Building $271,490 | $295,490 (+4.36%) Land $24,000 Building $271,490 |
| 2024 | $4,915.00 (+8.28%) | ||
| 2023 | $4,539.00 (-10.97%) Homeowner's exemption | $271,301 Land $24,000 Building $259,140 | $283,140 Land $24,000 Building $259,140 |
| 2022 | $5,098.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 747 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Optimum Cable | 940 / 35 |
| Rise Broadband Fixed Wireless | 300 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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