Lubbock County property record for 6905 86th St, Lubbock, TX 79424
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,069 sqft · built 1996 |
| Lot Size | 0.434 acres (18,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,700 (Oct 2011) |
| Tax Bill | $7,531 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R31155 |
| Primary APN | R31155 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,069 sqft Living Area |
| Gross Area | 3,707 sqft |
| 1st Floor Area | 2,669 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,900 sqft (0.434 acres) |
| Lot Dimensions | 210 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 6905 86TH ST |
|---|---|
| City | LUBBOCK |
| State | TX |
| Zip | 79424-4728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTWOOD L 121 |
| Legal Subdivision | WESTWOOD |
| Legal Lot Number | 121 |
| Jurisdiction | LUBBOCK TX |
| Township / Civil Division | LUBBOCK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 10413 |
Source: Lubbock County records · APN R31155
Assessment roll updated October 1, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 6905 86TH ST, LUBBOCK, TX 79424-4728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 08, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LUBBOCK NATIONAL BANK |
| Nov 02, 2018 | Deed of Trust, Mortgage · Line of Credit AMARILLO NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 2011 · Amount on Record |
| Deed Sale | Oct 17, 2011 · Amount on Record |
| Prior Sale | Sep 28, 2010 |
| Deed Document Number | 201136503 |
| Prior Transfer Date | Oct 14, 2011 |
| Prior Transfer Doc | 0000036503 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 6905 86TH ST, LUBBOCK, TX 79424-4728 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000026204 |
|---|---|
| Date | Jul 08, 2025 |
| Instrument | 2025026204 |
| Name | LUBBOCK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LUBBOCK, TX 79423 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 08, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 08, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | Prime Rate |
| Max Rate | 13.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUBBOCK TX |
| Property Address | 6905 86TH ST, LUBBOCK, TX 79424-4728 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041904 |
|---|---|
| Date | Nov 02, 2018 |
| Instrument | 2018041904 |
| Name | AMARILLO NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AMARILLO, TX 79106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 29, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Oct 29, 2019 |
| Change Frequency | Monthly |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year LIBOR |
| Max Rate | 11.5% |
Source: Lubbock County records · Assessment roll updated October 1, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Lubbock County |
| Municipality | Lubbock City |
| Unified School District | Frenship Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,531.00 (+2.38%) Homeowner's exemption | $444,445 (+18.54%) Land $18,200 Building $426,245 | $444,445 (+5.77%) Land $18,200 Building $426,245 |
| 2024 | $7,356.00 (+9.94%) | ||
| 2023 | $6,691.00 (-7.35%) Homeowner's exemption | $374,919 Land $18,200 Building $402,008 | $420,208 Land $18,200 Building $402,008 |
| 2022 | $7,222.00 |
Source: FEMA National Flood Hazard Layer as of October 6, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 4 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.3% of Texas |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Metronet Holdings Fiber | 1,000 / 1,000 |
| Optimum Communications Cable · Fiber in parts of the area | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Telespan Fixed Wireless | 100 / 40 |
Based on FCC filings for 878 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LUBBOCK PUBLIC WATER SYSTEM serves 266,450 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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