Lubbock County property record for 4203 97th St, Lubbock, TX 79423
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 3,459 sqft · built 1994 |
| Owner | Individual Name on File |
| Tax Bill | $6,440 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R81658 |
| Primary APN | R81658 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6 Baths |
| Building Area | 3,459 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Other |
| Lot Width | 100 ft Width |
| Garage Area | 875 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4203 97TH ST |
|---|---|
| City | LUBBOCK |
| State | TX |
| Zip | 79423-3954 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0038 |
| Legal Description | KINGS GATE L 574 |
| Legal Subdivision | KINGS GATE |
| Legal Lot Number | 5740 |
| Jurisdiction | LUBBOCK TX |
| Township / Civil Division | LUBBOCK |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10504 |
4203 97th St is owned and occupied by an individual who acquired it in March 2024.
Source: Lubbock County records, as of February 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4203 97TH ST, LUBBOCK, TX 79423-3954 |
| 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 |
|---|---|
| Mar 19, 2024 | Vendor's Lien, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 24, 2017 | Deed of Trust, Mortgage · Stand-Alone First Mortgage PROSPERITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2024 |
| Deed Sale | Mar 19, 2024 |
| Deed Document Number | 2024011173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Recording Date | Mar 19, 2024 |
| Property Address | 4203 97TH ST, LUBBOCK, TX 79423-3954 |
| Document Number | 0000011173 |
| Map Reference | VOL 2613 PG 19 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 2024011173 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2024 |
| Title Company | SERVICE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4203 97TH ST, LUBBOCK, TX 79423-3954 |
| Document Number | 0000011174 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 2024011174 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 4203 97TH ST, LUBBOCK, TX 79423-3954 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WEST TEXAS TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000038281 |
|---|---|
| Date | Oct 24, 2017 |
| Instrument | 2017038281 |
| Name | PROSPERITY BANK |
|---|---|
| Type | Bank |
| Address | LUBBOCK, TX 79424 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 20, 2032 |
The 2025 property tax bill for 4203 97th St was $6,440 with a homeowner's exemption, down 12.1% 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 | $6,440.00 (-12.14%) Homeowner's exemption | $432,582 Land $50,000 Building $382,582 | $432,582 Land $50,000 Building $382,582 |
| 2024 | $7,330.00 (+4.56%) | ||
| 2023 | $7,010.00 (-5.5%) Homeowner's exemption | $426,826 Land $50,000 Building $420,841 | $470,841 Land $50,000 Building $420,841 |
| 2022 | $7,418.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4203 97th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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 |
| Nearby Flood Claims | 1 (2009) |
| Most Recent Claim | Apr 2009 · rainfall accumulation |
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 4203 97th 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 456 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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