5430 16th St, Lubbock, TX 79416 Property Records

Lubbock County property record for 5430 16th St, Lubbock, TX 79416

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,883 sqft · built 1967
Lot Size	0.205 acres (8,933 sqft)
Owner	Individual Name on Record
Tax Bill	$2,971 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R93089`

Property Details

APN / Parcel Number

Primary APN	`R93089`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,883 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,933 sqft (0.205 acres)
Lot Dimensions	119 ft deep x 75 ft wide
Garage Area	462 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5430 16TH ST
City	LUBBOCK
State	TX
Zip	79416-5404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0038
Legal Description	ALFORD TERRACE L 282
Legal Subdivision	ALFORD TERRACE
Legal Lot Number	2820
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	2
Census Block	2007
Census Tract	402

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	5430 16TH ST, LUBBOCK, TX 79416-5404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 10, 2026	Vendor's Lien, Transfer CARDINAL FINANCIAL COMPANY LP
Jun 26, 2020	Vendor's Lien, Transfer · FHA Mortgage FIRST BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2026
Deed Sale	Feb 10, 2026
Prior Sale	Jun 26, 2020
Deed Document Number	2026004809
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	5430 16TH ST, LUBBOCK, TX 79416-5404
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	SERVICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004811
Date	Feb 10, 2026
Instrument	2026004811

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2036

February 2026: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Feb 10, 2026
Property Address	5430 16TH ST, LUBBOCK, TX 79416-5404
Document Number	0000004809
Map Reference	VOL 1032 PG 189
Instrument Date	Feb 4, 2026
Instrument	2026004809
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	SERVICE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5430 16TH ST, LUBBOCK, TX 79416-5404

Mortgage

Date	Feb 10, 2026

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

June 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	LUBBOCK TX
Recording Date	Jun 26, 2020
Property Address	5430 16TH ST, LUBBOCK, TX 79416-5404
Document Number	0000026159
Map Reference	VOL 1032 PG 189
Instrument Date	Jun 26, 2020
Instrument	2020026159
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10600 JOLLYVILLE RD APT 509, 10600, AUSTIN, TX 78759-6281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5430 16TH ST, LUBBOCK, TX 79416-5404

Mortgage

Document Number	0000026160
Date	Jun 26, 2020
Instrument	2020026160

Lender

Name	FIRST BANK & TRUST
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$2,971.00 (-4.47%) Homeowner's exemption	$236,569 (+14.53%) Land $28,000 Building $208,569	$236,569 (+10.63%) Land $28,000 Building $208,569
2024	$3,110.00 (+6.69%)
2023	$2,915.00 (-13.35%) Homeowner's exemption	$206,564 Land $16,500 Building $197,329	$213,829 Land $16,500 Building $197,329
2022	$3,364.00

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
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2016 · other causes

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 97% of the US · lower than 98.3% 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 506 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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