5520 Smith St, Lubbock, TX, 79416
About This Home
Buy NOW and get up to $6,000 Use-It-Your-Way Cash! This charming home features a classic brick and vinyl exterior with a welcoming covered entryway. Inside, vinyl flooring flows through the open-concept living and kitchen areas. The kitchen includes granite countertops, wood-paint cabinetry, stainless steel appliances, and a pantry for added storage. The bedroom features a walk-in closet, and the bathroom includes premium fixtures. With thoughtful design and modern finishes throughout, this home offers a comfortable and efficient living experience.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Roof: Composition
- Construction materials: Brick
Other
- Builder name: Betenbough Homes
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Free-Standing Electric Range,Free-Standing Range
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Eat-in Kitchen
- Flooring: Vinyl
- Finished area above ground: 700
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 700
- Total interior livable area: 700 sqft
Kitchen
- Features: Vinyl Flooring
Living Room
- Features: Vinyl Flooring
Primary Bathroom
- Features: Vinyl Flooring
Primary Bedroom
- Features: Vinyl Flooring
Property
Details
- Parcel number: R355945
- Special condition: Standard
- Other equipment: None
Features
- Exterior features: Private Yard
- Fencing: Fenced
Lot
- Lot size: 4,356 sqft
- Features: Front Yard,Landscaped
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Tornado
- Cold Wave
- Hail
- Strong Wind
- Winter Weather
- Drought
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Texas Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $753 | $9,036 |
| Home Insurance * | $177 | $2,124 |
| Property Taxes | $186 | $2,232 |
| Electricity | $238 | $2,859 |
| Total | $1,354 | $16,248 |
Income You'd Need if You Spent...
Texas FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-15 | Price change | $162,000 |
| 2026-04-13 | Price change | $167,000 |
| 2026-03-18 | Price change | $162,000 |
| 2026-02-23 | Price change | $165,850 |
| 2026-02-12 | Price change | $162,350 |
| 2025-12-29 | Listed for sale | $157,350 |
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