4909 Amherst St, Lubbock, TX 79416 Property Records

Lubbock County property record for 4909 Amherst St, Lubbock, TX 79416

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,666 sqft · built 1997
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Tax Bill	$5,364 (2025)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R46732`

Property Details

APN / Parcel Number

Primary APN	`R46732`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,666 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Area	578 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4909 AMHERST ST
City	LUBBOCK
State	TX
Zip	79416-3145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	WHISPERWOOD L 316
Legal Subdivision	WHISPERWOOD
Legal Lot Number	3160
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1016
Census Tract	411

Owner

4909 Amherst St is owned and occupied by an individual who acquired it in November 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4909 AMHERST ST, LUBBOCK, TX 79416-3145
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2024
Deed Sale	Nov 20, 2024
Prior Sale	Aug 1, 2023
Deed Document Number	2024045958
Record Updated	Jun 8, 2026

August 2023: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Aug 1, 2023
Property Address	4909 AMHERST ST, LUBBOCK, TX 79416-3145
Document Number	0000029751
Map Reference	VOL 4043 PG 1
Instrument Date	Jul 31, 2023
Instrument	2023029751
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	918 AVENUE J, LUBBOCK, TX 79401-2719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 AMHERST ST, LUBBOCK, TX 79416-3145

Mortgage

Document Number	0000029752
Date	Aug 1, 2023
Instrument	2023029752

Lender

Name	CITY BANK
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	Prime Rate
Margin	2
Max Rate	12.7%

Tax Assessment & Valuation

The 2025 property tax bill for 4909 Amherst St was $5,364 with a homeowner's exemption, down 24.7% 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	$5,364.00 (-24.66%) Homeowner's exemption	$371,814 Land $40,000 Building $331,814	$371,814 Land $40,000 Building $331,814
2024	$7,120.00 (+189.9%)
2023	$2,456.00 (-38.97%) Homeowner's exemption	$332,547 (-2.37%) Land $24,750 Building $307,797	$332,547 (-3.12%) Land $24,750 Building $307,797
2022	$4,024.00 Homeowner's exemption	$340,634 Land $24,750 Building $318,500	$343,250 Land $24,750 Building $318,500

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

Flood

FEMA maps place 4909 Amherst St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 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 4909 Amherst 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 685 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
Rise Broadband Fixed Wireless	300 / 60
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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