Lubbock County property record for 3608 78th Dr, Lubbock, TX 79423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,641 sqft · built 1972 |
| Lot Size | 0.244 acres (10,656 sqft) |
| Owner | Individual Name on File |
| Last Sale | $196,650 (Jul 2018) |
| Tax Bill | $3,498 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R46798 |
| Primary APN | R46798 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,641 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,656 sqft (0.244 acres) |
| Lot Dimensions | 113 ft deep x 94.3 ft wide |
| Garage Area | 483 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3608 78TH DR |
|---|---|
| City | LUBBOCK |
| State | TX |
| Zip | 79423-1222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0038 |
| Legal Description | MELONIE PARK SOUTH L 106 |
| Legal Subdivision | MELONIE PARK SOUTH |
| Legal Lot Number | 1060 |
| Jurisdiction | LUBBOCK TX |
| Township / Civil Division | LUBBOCK |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1904 |
3608 78th Dr is owned and occupied by an individual who bought it in July 2018.
Source: Lubbock County records, as of February 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3608 78TH DR, LUBBOCK, TX 79423-1222 |
| 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.
| Date | Document |
|---|---|
| Jan 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST RATE FINANCIAL GROUP |
| Jan 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST RATE FINANCIAL GROUP |
| Jul 12, 2018 | Vendor's Lien, Transfer · Conventional Mortgage FIRST RATE FINANCIAL GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on File |
| Deed Sale | Jul 12, 2018 · Amount on File |
| Prior Sale | Jun 16, 2015 · Amount on File |
| Deed Document Number | 2018026092 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 3608 78TH DR, LUBBOCK, TX 79423-1222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000698 |
|---|---|
| Date | Jan 6, 2021 |
| Instrument | 2021000698 |
| Name | FIRST RATE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Address | FRISCO, TX 75035 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 3608 78TH DR, LUBBOCK, TX 79423-1222 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TEXAS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001819 |
|---|---|
| Date | Jan 15, 2020 |
| Instrument | 2020001819 |
| Name | FIRST RATE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Address | FRISCO, TX 75035 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Recording Date | Jul 12, 2018 |
| Property Address | 3608 78TH DR, LUBBOCK, TX 79423-1222 |
| Document Number | 0000026092 |
| Map Reference | VOL1262 PG285 |
| Instrument Date | Jul 9, 2018 |
| Instrument | 2018026092 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | SERVICE TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3608 78TH DR, LUBBOCK, TX 79423-1222 |
| Document Number | 0000026093 |
|---|---|
| Date | Jul 12, 2018 |
| Instrument | 2018026093 |
| Name | FIRST RATE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 3608 78th Dr was $3,498 with a homeowner's exemption, down 0.8% from the year before.
Source: Lubbock County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Texas |
| County | Lubbock County |
| Municipality | Lubbock City |
| Unified School District | Lubbock Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,498.00 (-0.77%) Homeowner's exemption | $266,356 Land $30,176 Building $236,180 | $266,356 Land $30,176 Building $236,180 |
| 2024 | $3,525.00 (-10.31%) | ||
| 2023 | $3,930.00 (-12.12%) Homeowner's exemption | $261,146 Land $30,176 Building $230,970 | $261,146 Land $30,176 Building $230,970 |
| 2022 | $4,472.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3608 78th Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1999) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 1999 · tidal / storm surge |
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 risk around 3608 78th Dr is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 88% of Texas |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 338 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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