4504 20th St, Lubbock, TX 79407 Property Records

Lubbock County property record for 4504 20th St, Lubbock, TX 79407

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,491 sqft · built 1970
Lot Size	0.481 acres (20,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$468,800 (Jun 2020)
Tax Bill	$6,139 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`R60612`

Property Details

APN / Parcel Number

Primary APN	`R60612`
Alternative APN	`R1237000000100090000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,491 sqft Living Area
Gross Area	5,091 sqft
1st Floor Area	2,791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,960 sqft (0.481 acres)
Lot Dimensions	185 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	600 sqft
Pool Type	Pool with Hot Tub/Spa
Pool House	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4504 20TH ST
City	LUBBOCK
State	TX
Zip	79407-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAIN TERRACE BLK 1 L 9
Legal Subdivision	CAIN TERRACE
Legal Block	1
Legal Lot Number	9
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1003
Census Tract	1601

Owner

Source: Lubbock County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4504 20TH ST, LUBBOCK, TX 79407-2415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jun 22, 2020	Vendor's Lien, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Prior Sale	Mar 28, 2003
Deed Document Number	202025197
Prior Transfer Date	Jun 19, 2020
Prior Transfer Doc	0000025197
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Recording Date	Sep 1, 2026
Property Address	4504 20TH ST, LUBBOCK, TX 79407-2415
Document Number	0000034748
Instrument Date	Aug 25, 2026
Instrument	202634748
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4504 20TH ST, LUBBOCK, TX 79407-2415

Mortgage

Document Number	0000034748,
Date	Sep 1, 2026
Instrument	202634748

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

June 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Jun 22, 2020
Property Address	4504 20TH ST, LUBBOCK, TX 79407-2415
Document Number	0000025197
Map Reference	VOL 314 PG 277
Instrument Date	Jun 19, 2020
Instrument	2020025197
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4504-20TH STREET, LUBBOCK, TX 79407-2415

Mortgage

Document Number	0000025198
Date	Jun 22, 2020
Instrument	2020025198

Lender

Name	PEOPLES BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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	$6,139.00 (-21.06%) Homeowner's exemption	$415,591 (-4.42%) Land $55,000 Building $360,591	$415,591 (-4.42%) Land $55,000 Building $360,591
2024	$7,777.00 (+8.65%)
2023	$7,158.00 (-7.16%) Homeowner's exemption	$434,816 Land $21,527 Building $413,289	$434,816 Land $21,527 Building $413,289
2022	$7,710.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (1983–2016)
Most Recent Claim	Aug 2016 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Optimum Cable · Fiber in parts of the area	940 / 35
Rise Broadband Fixed Wireless	300 / 60
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, T-Mobile.

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