7107 78th St, Lubbock, TX 79424 Property Records

Lubbock County property record for 7107 78th St, Lubbock, TX 79424

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,005 sqft · built 2003
Lot Size	0.587 acres (25,582 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Feb 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R153417`

Property Details

APN / Parcel Number

Primary APN	`R153417`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,005 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	25,582 sqft (0.587 acres)
Lot Dimensions	142 ft deep x 180 ft wide
Garage Area	910 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7107 78TH ST
City	LUBBOCK
State	TX
Zip	79424-0737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0017
Legal Description	PAPALOTE SOUTH L 67
Legal Subdivision	PAPALOTE SOUTH
Legal Lot Number	670
Jurisdiction	LUBBOCK TX
Township / Civil Division	LUBBOCK
Census Block Group	1
Census Block	1023
Census Tract	1716

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	7107 78TH ST, LUBBOCK, TX 79424-0737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2002
Deed Sale	Aug 8, 2002
Deed Document Number	2002-31992
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUBBOCK TX
Property Address	7107 78TH ST, LUBBOCK, TX 79424-0737
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7107 78TH ST, LUBBOCK, TX 79424-0737

Mortgage

Document Number	0000003924
Date	Feb 1, 2023
Instrument	2023003924

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Type Change Date	Mar 1, 2023
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11.5%

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	Frenship Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,082.00 (-20.32%) Homeowner's exemption	$503,704 (-7.49%) Land $24,000 Building $479,704	$503,704 (-14.01%) Land $24,000 Building $479,704
2024	$5,123.00 (-1.48%)
2023	$5,200.00 (-31.68%) Homeowner's exemption	$544,489 Land $24,000 Building $561,769	$585,769 Land $24,000 Building $561,769
2022	$7,611.00

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	7 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 99.8% of the US · lower than 99.8% of Texas
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Telespan Fixed Wireless	100 / 40
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20