4506 20th St, Lubbock, TX 79407 Property Records

Lubbock County property record for 4506 20th St, Lubbock, TX 79407

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,418 sqft · built 1955
Lot Size	0.481 acres (20,961 sqft)
Owner	Individual Name on File
Tax Bill	$5,824 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`R60639`

Property Details

APN / Parcel Number

Primary APN	`R60639`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,418 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Exterior Material	Brick Veneer
Foundation Type	Pier/Post & Beam
Roof Material	Other
Lot Area	20,961 sqft (0.481 acres)
Lot Dimensions	185 ft deep x 113 ft wide
Garage Area	799 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4506 20TH ST
City	LUBBOCK
State	TX
Zip	79407-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	CAIN TERRACE BLK 1 L 10
Legal Subdivision	CAIN TERRACE
Legal Block	1
Legal Lot Number	100
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1003
Census Tract	1601

Owner

4506 20th St is owned by an individual who acquired it in May 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5005 21ST ST, LUBBOCK, TX 79407-2241
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
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
May 24, 2018	Vendor's Lien, Transfer · Conventional Mortgage CITY BANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018
Deed Sale	May 24, 2018
Deed Document Number	2018019017
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	4506 20TH ST, LUBBOCK, TX 79407-2415
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	SERVICE TITLE COMPANY, SERVICE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008174
Date	Feb 22, 2021
Instrument	2021008174

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

May 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	May 24, 2018
Property Address	4506 20TH ST, LUBBOCK, TX 79407-2415
Document Number	0000019017
Map Reference	VOL314 PG277
Instrument Date	May 23, 2018
Instrument	2018019017
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	WESTERN TITLE CO

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	4504 20TH ST, LUBBOCK, TX 79407-2415

Mortgage

Document Number	0000019018
Date	May 24, 2018
Instrument	2018019018

Lender

Name	CITY BANK MORTGAGE
Type	Bank
Special Notes	Seller Financed

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4506 20th St was $5,824, up 5.4% 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	$5,824.00 (+5.37%)	$329,151 Land $55,000 Building $274,151	$329,151 Land $55,000 Building $274,151
2024	$5,527.00 (-4.03%)
2023	$5,759.00 (+29.56%)	$309,828 Land $21,527 Building $288,301	$309,828 Land $21,527 Building $288,301
2022	$4,445.00

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

Flood

FEMA maps place 4506 20th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 4506 20th St is low, with less than a 0.01% annual chance of 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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