4410 86th St, Lubbock, TX 79424 Property Records

Lubbock County property record for 4410 86th St, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,917 sqft · built 1988
Lot Size	0.204 acres (8,922 sqft)
Owner	Individual Name on File
Tax Bill	$5,545 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R72485`

Property Details

APN / Parcel Number

Primary APN	`R72485`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,917 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Lot Area	8,922 sqft (0.204 acres)
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4410 86TH ST
City	LUBBOCK
State	TX
Zip	79424-4226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	COBBLESTONE L 8
Legal Subdivision	COBBLESTONE
Legal Lot Number	80
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	2
Census Block	2013
Census Tract	10502

Owner

4410 86th St is owned and occupied by an individual who acquired it in June 2025.

Source: Lubbock County records, as of February 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4410 86TH ST, LUBBOCK, TX 79424-4226
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2025	Vendor's Lien, Transfer · Conventional Mortgage ALLIANCE CU
Aug 24, 2022	Vendor's Lien, Transfer · Conventional Mortgage FIRST BANK & TRUST
Feb 24, 2020	Warranty Deed, Transfer PENNYMAC
Feb 13, 2018	Vendor's Lien, Transfer · Conventional Mortgage CITY BANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2025
Deed Sale	Jun 5, 2025
Prior Sale	Aug 24, 2022
Deed Document Number	2025-21913
Record Updated	Jun 8, 2026

June 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Jun 5, 2025
Property Address	4410 86TH ST, LUBBOCK, TX 79424-4226
Document Number	0000021913
Map Reference	VOL 2650 PG 254
Instrument Date	Jun 5, 2025
Instrument	2025021913
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	HUB CITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4410 86TH ST, LUBBOCK, TX 79424-4226

Mortgage

Document Number	0000021914
Date	Jun 5, 2025
Instrument	2025021914

Lender

Name	ALLIANCE CU
Type	Credit Union
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Aug 24, 2022
Property Address	4410 86TH ST, LUBBOCK, TX 79424-4226
Document Number	0000040571
Instrument Date	Aug 22, 2022
Instrument	2022040571
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	TRUE TITLE PARTNERS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4410 86TH ST, LUBBOCK, TX 79424-4226

Mortgage

Document Number	0000040572
Date	Aug 24, 2022
Instrument	2022040572

Lender

Name	FIRST BANK & TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUBBOCK TX
Recording Date	Feb 24, 2020
Property Address	4410 86TH ST, LUBBOCK, TX 79424-4226
Document Number	0000007412
Instrument Date	Feb 21, 2020
Instrument	7412
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5018 JARVIS ST LUBBOCK TX 794167403, LUBBOCK, TX 79416-7403

Mortgage

Document Number	7413
Date	Feb 24, 2020
Instrument	7413

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2050

February 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Feb 13, 2018
Property Address	4410 86TH ST, LUBBOCK, TX 79424-4226
Document Number	0000004895
Map Reference	VOL2650 PG254
Instrument Date	Feb 9, 2018
Instrument	2018004895
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	SERVICE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4410 86TH ST, LUBBOCK, TX 79424-4226

Mortgage

Document Number	0000004896
Date	Feb 13, 2018
Instrument	2018004896

Lender

Name	CITY BANK MORTGAGE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4410 86th St was $5,545 with a homeowner's exemption, down 8% from the year before.

Source: Lubbock County assessment roll, as of August 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	$5,545.00 (-8.01%) Homeowner's exemption	$382,028 Land $28,996 Building $353,032	$382,028 Land $28,996 Building $353,032
2024	$6,028.00 (-4%)
2023	$6,279.00 (+4.6%) Homeowner's exemption	$387,502 Land $28,996 Building $358,506	$387,502 Land $28,996 Building $358,506
2022	$6,003.00

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

Flood

FEMA maps place 4410 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 4410 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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