4406 86th St, Lubbock, TX 79424 Property Records

Lubbock County property record for 4406 86th St, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,005 sqft · built 1989
Lot Size	0.194 acres (8,454 sqft)
Owner	2 Individual Names on File
Last Sale	$387,600 (Jun 2021)
Tax Bill	$4,697 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R72342`

Property Details

APN / Parcel Number

Primary APN	`R72342`
Alternative APN	`R1488000000000030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,005 sqft Living Area
Gross Area	3,383 sqft
1st Floor Area	2,867 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Wood
Lot Area	8,454 sqft (0.194 acres)
Garage Type	Attached
Garage Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4406 86TH ST
City	LUBBOCK
State	TX
Zip	79424-4200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE L 3
Legal Subdivision	COBBLESTONE
Legal Lot Number	3
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	2
Census Block	2014
Census Tract	10502

Owner

4406 86th St is owned and occupied by two individuals who bought it in June 2021.

Source: Lubbock County records, as of November 19, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4406 86TH ST, LUBBOCK, TX 79424-4200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage TEXAS TECH FCU
Jun 18, 2021	Vendor's Lien, Transfer · Stand-Alone First Mortgage BIG CHIEF HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2021 · Amount on File
Deed Sale	Jun 18, 2021 · Amount on File
Prior Sale	Apr 28, 1995
Deed Document Number	202130671
Prior Transfer Date	Oct 28, 2004
Prior Transfer Doc	0000047960
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	4406 86TH ST, LUBBOCK, TX 79424-4200
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	SERVICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008059
Date	Feb 26, 2020
Instrument	2020008059

Lender

Name	TEXAS TECH FCU
Type	Credit Union
Address	LUBBOCK, TX 79423

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Jun 18, 2021
Property Address	4406 86TH ST, LUBBOCK, TX 79424-4200
Document Number	0000030671
Map Reference	VOL 2650 PG 254
Instrument Date	Jun 17, 2021
Instrument	2021030671
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	WESTENN TITLE COMPANY, WESTERN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 86TH ST, LUBBOCK, TX 79424-4200

Mortgage

Document Number	0000030672
Date	Jun 18, 2021
Instrument	2021030672

Lender

Name	BIG CHIEF HOLDINGS LLC
Type	Non-Lending Institution
Special Notes	Seller Financed

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 4406 86th St was $4,697 with a homeowner's exemption, down 8.9% 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	$4,697.00 (-8.94%) Homeowner's exemption	$334,115 Land $27,477 Building $306,638	$334,115 Land $27,477 Building $306,638
2024	$5,158.00 (-4.04%)
2023	$5,375.00 (-9.53%) Homeowner's exemption	$338,869 Land $27,477 Building $311,392	$338,869 Land $27,477 Building $311,392
2022	$5,941.00

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

Flood

FEMA maps place 4406 86th 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

The area around 4406 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.

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 480 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
Rise Broadband Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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