4910 109th St, Lubbock, TX 79424 Property Records

Lubbock County property record for 4910 109th St, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,233 sqft · built 2018
Lot Size	0.26 acres (11,331 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,967 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R328985`

Property Details

APN / Parcel Number

Primary APN	`R328985`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,233 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,331 sqft (0.26 acres)
Garage Area	925 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4910 109TH ST
City	LUBBOCK
State	TX
Zip	79424-7763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHCREST ESTATES L 17
Legal Subdivision	SOUTHCREST ESTATES
Legal Lot Number	170
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1038
Census Tract	10509

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	2 Individual Names on Record
Mailing Address	4910 109TH ST, LUBBOCK, TX 79424-7763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2018	Deed of Trust, Mortgage WILLOW BEND MTG
Oct 9, 2018	Deed of Trust, Mortgage PEOPLES BK
Feb 23, 2018	Warranty Deed, Construction Loan · Construction Mortgage FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2018
Deed Sale	Feb 21, 2018
Deed Document Number	2018-6267
Last Transfer Date	Feb 23, 2018
Transfer Doc	0000006267
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	4910 109TH ST, LUBBOCK, TX 79424-7763
Document Number	0000044415
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	WEST TX TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4910 109TH ST LUBBOCK TX 79424, LUBBOCK, TX 79424

Mortgage

Document Number	0000044415
Date	Nov 26, 2018
Instrument	44415

Lender

Name	WILLOW BEND MTG
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	4910 109TH ST, LUBBOCK, TX 79424-7763
Document Number	0000039198
Instrument Date	Oct 9, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	SERVICE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4910 109TH PL LUBBOCK TX 79424, LUBBOCK, TX 79424

Mortgage

Document Number	0000039198
Date	Oct 11, 2018
Instrument	39198

Lender

Name	PEOPLES BK
Type	Bank
Address	LUBBOCK, TX 79424

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 10, 2033

February 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LUBBOCK TX
Recording Date	Feb 23, 2018
Property Address	4910 109TH ST, LUBBOCK, TX 79424-7763
Document Number	0000006267
Instrument Date	Feb 21, 2018
Instrument	6267
Transaction Type	Construction Loan
Record Updated	Oct 21, 2019
Title Company	WEST TX TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6810 PONTIAC AVE LUBBOCK TX 794240929, LUBBOCK, TX 79424-0929

Mortgage

Document Number	6268
Date	Feb 23, 2018
Instrument	6268

Lender

Name	FIRST BK
Type	Bank
Address	LUBBOCK, TX 79424

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 22, 2019

Mortgage

Document Number	6271,
Date	Feb 23, 2018
Instrument	6271

Lender

Name	FIRST BK
Type	Bank
Address	LUBBOCK, TX 79424

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 22, 2019

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-Cooper Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,967.00 (-2.96%) Homeowner's exemption	$560,672 (+3.5%) Land $79,317 Building $481,355	$560,672 (+3.5%) Land $79,317 Building $481,355
2024	$10,271.00 (+0.41%)
2023	$10,229.00 (-11.42%) Homeowner's exemption	$541,698 Land $79,317 Building $462,381	$541,698 Land $79,317 Building $462,381
2022	$11,548.00

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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