4909 109th St, Lubbock, TX 79424 Property Records

Lubbock County property record for 4909 109th St, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,787 sqft · built 2018
Lot Size	0.26 acres (11,306 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,069 (2025)
Deeds & Mortgages	Aug 2019 Loan Modification Nov 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R328986`

Property Details

APN / Parcel Number

Primary APN	`R328986`
Alternative APN	`R8063200000000180000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,787 sqft Living Area
Gross Area	3,634 sqft
1st Floor Area	2,787 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,306 sqft (0.26 acres)
Garage Type	Attached
Garage Area	847 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4909 109TH ST
City	LUBBOCK
State	TX
Zip	79424-7764
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHCREST ESTATES L 18
Legal Subdivision	SOUTHCREST ESTATES
Legal Lot Number	18
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1038
Census Tract	10509

Owner

Source: Lubbock County records, as of July 14, 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	4909 109TH ST, LUBBOCK, TX 79424-7764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Loan Modification, Mortgage FIRST BK
Nov 6, 2018	Loan Modification, Mortgage FIRST BK
Nov 9, 2017	Vendor's Lien, Transfer · Commercial Mortgage FIRST BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021
Deed Sale	Mar 24, 2021
Prior Sale	Oct 18, 2019
Deed Document Number	202114052
Prior Transfer Date	Nov 6, 2017
Prior Transfer Doc	0000040415
Record Updated	Sep 20, 2026

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	4909 109TH ST, LUBBOCK, TX 79424-7764
Document Number	0000033576
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8213 ALCOVE AVE LUBBOCK TX 794247508, LUBBOCK, TX 79424-7508

Mortgage

Document Number	0000033576
Date	Aug 27, 2019
Instrument	33576

Lender

Name	FIRST BK
Type	Bank
Address	LUBBOCK, TX 79424

Agreement

Term	12 Months
Due	Aug 26, 2020

Interest

Rate	1.5%

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LUBBOCK TX
Property Address	4909 109TH ST, LUBBOCK, TX 79424-7764
Document Number	0000000074
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8213 ALCOVE AVE LUBBOCK TX 794247508, LUBBOCK, TX 79424-7508

Mortgage

Document Number	0000000074
Date	Jan 2, 2019
Instrument	74

Lender

Name	FIRST BK
Type	Bank
Address	LUBBOCK, TX 79424

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2020

Interest

Rate Type	Adjustable Rate

November 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Nov 9, 2017
Property Address	4909 109TH ST, LUBBOCK, TX 79424-7764
Document Number	0000040415
Map Reference	FILE2016031886
Instrument Date	Nov 6, 2017
Instrument	2017040415
Transaction Type	Transfer
Record Updated	Dec 23, 2021

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	8213 ALCOVE AVE, LUBBOCK, TX 79424-7508

Mortgage

Document Number	0000040416
Date	Nov 9, 2017
Instrument	2017040416

Lender

Name	FIRST BANK & TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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-Cooper Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,069.00 (-5.75%) Homeowner's exemption	$468,965 (-6.99%) Land $79,142 Building $389,823	$468,965 (-6.99%) Land $79,142 Building $389,823
2024	$8,561.00 (-9.31%)
2023	$9,440.00 (-7.4%) Homeowner's exemption	$504,202 Land $79,142 Building $425,060	$504,202 Land $79,142 Building $425,060
2022	$10,194.00

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	2 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	Low lower than 94% of the US · lower than 97.1% of Texas
Wildfire Likelihood	0.02% 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 145 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet, Rise Broadband.

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