4608 86th St, Lubbock, TX 79424 Property Records

Lubbock County property record for 4608 86th St, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,261 sqft · built 1991
Lot Size	0.251 acres (10,942 sqft)
Owner	Individual Name on Record
Tax Bill	$8,598 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R43966`

Property Details

APN / Parcel Number

Primary APN	`R43966`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Building Area	4,261 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	10,942 sqft (0.251 acres)
Garage Area	750 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4608 86TH ST
City	LUBBOCK
State	TX
Zip	79424-4134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	LAKERIDGE C C EST L 713
Legal Subdivision	LAKERIDGE COUNTRY CLUB ESTATES
Legal Lot Number	7130
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	2
Census Block	2010
Census Tract	10502

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4608 86TH ST, LUBBOCK, TX 79424-4134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Commercial Mortgage CITY BANK
Dec 13, 2019	Vendor's Lien, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2024
Deed Sale	Jul 11, 2024
Prior Sale	Dec 13, 2019
Deed Document Number	2024027462
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	4608 86TH ST, LUBBOCK, TX 79424-4134
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4608 86TH ST, LUBBOCK, TX 79424-4134

Mortgage

Document Number	0000045164
Date	Nov 29, 2023
Instrument	2023045164

Lender

Name	CITY BANK
Type	Bank
Address	LUBBOCK, TX 79408

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 22, 2024

December 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Dec 13, 2019
Property Address	4608 86TH ST, LUBBOCK, TX 79424-4134
Document Number	0000048906
Map Reference	VOL 2310 PG 321
Instrument Date	Dec 12, 2019
Instrument	2019048906
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6548 43RD ST # ST1406, 6548, LUBBOCK, TX 79407-1941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 92ND ST, LUBBOCK, TX 79424-4806

Mortgage

Document Number	0000048907
Date	Dec 13, 2019
Instrument	2019048907

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

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

Tax Assessment & Valuation

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	$8,598.00 (-5.46%) Homeowner's exemption	$554,575 (+6.38%) Land $56,000 Building $498,575	$554,575 (+6.33%) Land $56,000 Building $498,575
2024	$9,095.00 (+3.75%)
2023	$8,766.00 (-4.27%) Homeowner's exemption	$521,316 Land $56,000 Building $465,582	$521,582 Land $56,000 Building $465,582
2022	$9,157.00

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 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

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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