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409 Mill Rd, Lubbock, TX, 79403

4beds
5baths
6,240sqft
$779,900
$125price/sqft
$6,106/moest. monthly cost
$244,240/yrincome needed

About This Home

OPEN HOUSE Saturday, August 22nd, 12PM - 1:30PM! Located in the historic Blackwater Draw, this incredible home is like few others in the Lubbock area. The home is built into the canyon wall with all rooms centered around the large domed gathering hall. The gathering hall features a large open area with a spiral staircase leading to a viewing platform offering near 360 degree views of both the interior and exterior. It features 4 bedrooms or 3 bedrooms and a large office. There are 3 full baths with two being en suite and the third being a jack and jill shared by the 3rd bedroom and 4th bedroom/office. The half baths are located in public areas ensuring the intimate areas remain private. The large kitchen and dining area features a vaulted ceiling and a large built in dining table and cabinets. For entertaining, the family room offers a cozy environment with a large fireplace and a full wet bar, while the large gathering hall offers endless possibilities for events of all sizes. Ample parking (covered and uncovered) abounds with a 3 car garage and a large porte-cochere at the entrance as well as a large drive. This is an amazing home and must be seen to truly appreciate all it has to offer.

Getting Around

6
WalkingCar-Dependent
0
TransitNo Nearby Transit
18
BikeSomewhat Bikeable

Schools

5/10
Cavazos Middle SchoolGrades 6-82.3 mi
6/10
Lubbock High SchoolGrades 9-123.4 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Slab
  • Roof: Other
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Electric Cooktop,Electric Oven
  • Laundry features: Electric Dryer Hookup,Sink,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Features

  • Bookcases,Granite Counters,Kitchen Island,Natural Woodwork,Walk-In Closet(s),Wet Bar
  • Flooring: Carpet,Tile
  • Number of fireplaces: 3
  • Fireplace: Yes
  • Finished area above ground: 6,240

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 6,240
  • Total interior livable area: 6,240 sqft

Property

Details

  • Parcel number: R121895
  • Zoning description: Single Family

Features

  • Patio & porch: Patio
  • Exterior features: Other

Lot

  • Lot size: 1.12 Acres
  • Features: Near Golf Course,Sloped

Parking

  • Total spaces: 3
  • Parking features: Attached,Covered,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Hail
Strong Wind
Tornado
Winter Weather
Cold Wave
Drought

FEMA Declared Disasters Across Texas Counties

Fire
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Winter Storm

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

MonthlyAnnual
Mortgage $3,943$47,316
Home Insurance *$1,307$15,684
Property Taxes $171$2,052
Electricity $685$8,222
Total$6,106$73,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,348/yr
40% on housing$183,180/yr
45% on housing$162,826/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

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.

Insurance Growth Rate5-year average: 6.1%
6.1%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 79403$68
Lubbock County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 79403$97
Lubbock County$143

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

DateEventPrice
2026-07-21Price change$779,900
2026-05-15Listed for sale$815,000
2008-05-25Listing removed$395,000
2008-03-21Price change$395,000
2008-01-18Listed for sale$479,000

For Sale by Agent

AgentTodd Curtis
BrokerageWestMark Companies

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