10113 Montoya Dr, Laredo, TX 78045 Property Records

Webb County property record for 10113 Montoya Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,944 sqft · built 2003
Lot Size	0.137 acres (5,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,469 (Aug 2022)
Tax Bill	$1,551 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`989-51001-330`

Property Details

APN / Parcel Number

Primary APN	`989-51001-330`
Alternative APN	`273994`

Interior

Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	2,364 sqft
1st Floor Area	1,944 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,981 sqft (0.137 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	216 sqft

Location & Zoning

Street Address	10113 MONTOYA DR
City	LAREDO
State	TX
Zip	78045-6400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	SAN ISIDRO RUIDOSO, BLOCK 1, LOT 33, UNIT II
Legal Subdivision	SAN ISIDRO RUIDOSO
Legal Block	1
Legal Lot Number	33
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	1
Census Block	1000
Census Tract	1726

Owner

Source: Webb County records, as of September 1, 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	10113 MONTOYA DR, LAREDO, TX 78045-6400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Vendor's Lien, Transfer · Conventional Mortgage ARIVA MORTGAGE SERVICES LLC
Jan 27, 2021	Vendor's Lien, Transfer · Conventional Mortgage INTERNATIONAL BANK OF COMMERCE
Sep 20, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Jan 27, 2021 · Amount on Record
Deed Document Number	20221477146
Deed Book / Page	5331 / 492
Prior Transfer Date	Jan 25, 2021
Prior Transfer Doc	004945/262
Record Updated	Oct 29, 2026

August 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Aug 19, 2022
Property Address	10113 MONTOYA DR, LAREDO, TX 78045-6400
Document Number	005331/492
Book / Page	5331 / 492
Map Reference	VOL 22 PG 34
Instrument Date	Aug 17, 2022
Instrument	1477146
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 696, ZAPATA, TX 78076-0696

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10113 MONTOYA DR, LAREDO, TX 78045-6400

Mortgage

Document Number	0001477147
Date	Aug 19, 2022
Instrument	1477147

Lender

Name	ARIVA MORTGAGE SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jan 27, 2021
Property Address	10113 MONTOYA DR, LAREDO, TX 78045-6400
Document Number	004945/262
Book / Page	4945 / 262
Map Reference	VOL 22 PG 34
Instrument Date	Jan 25, 2021
Instrument	1416965
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10113 MONTOYA DR, LAREDO, TX 78045-6400

Mortgage

Document Number	0001416966
Date	Jan 27, 2021
Instrument	1416966

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	10113 MONTOYA DR, LAREDO, TX 78045-6400
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4481/402
Date	Sep 20, 2018
Book Page	4481/402
Instrument	1340181

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Webb County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	Texas
Municipality	Laredo City
County	Webb County
Unified School District	United Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$323,976 (+5.71%) Land $83,375 Building $240,601	$323,976 (+5.71%) Land $83,375 Building $240,601
2025	$1,551.00 (-18.07%)	$306,469 (+13.48%) Land $83,375 Building $223,094	$306,469 (+13.48%) Land $83,375 Building $223,094
2024	$1,893.00 (+21.19%)
2023		$270,065 Land $78,411 Building $191,654	$270,065 Land $78,411 Building $191,654
2022	$1,562.00

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 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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 98% of the US · lower than 98.8% 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	CITY OF LAREDO serves 260,046 people · EPA ID TX2400001
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · May 2026 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	6 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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