Lubbock County property record for 3909 86th St, Lubbock, TX 79423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,967 sqft · built 1987 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $1,670 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R65950 |
| Primary APN | R65950 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,967 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Other |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 484 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3909 86TH ST |
|---|---|
| City | LUBBOCK |
| State | TX |
| Zip | 79423-2905 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0038 |
| Legal Description | KINGS GATE L 468 |
| Legal Subdivision | KINGS GATE |
| Legal Lot Number | 4680 |
| Jurisdiction | LUBBOCK TX |
| Township / Civil Division | LUBBOCK |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 10504 |
The current owner of 3909 86th St acquired it in June 2010.
Source: Lubbock County records, as of February 19, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3909 86TH ST, LUBBOCK, TX 79423-2905 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2010 |
| Deed Sale | Jun 2, 2010 |
| Deed Document Number | 2010017419 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 3909 86TH ST, LUBBOCK, TX 79423-2905 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WEST TEXAS TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000047948 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 2020047948 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 3909 86th St was $1,670 with a homeowner's exemption, down 24% 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 | $1,670.00 (-23.95%) Homeowner's exemption | $235,978 Land $25,000 Building $210,978 | $235,978 Land $25,000 Building $210,978 |
| 2024 | $2,196.00 (-0.14%) | ||
| 2023 | $2,199.00 (-32.77%) Homeowner's exemption | $224,121 Land $25,000 Building $225,630 | $250,630 Land $25,000 Building $225,630 |
| 2022 | $3,271.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3909 86th St 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 | 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.
The area around 3909 86th St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 352 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Metronet Fiber | 1,000 / 1,000 |
| 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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