10123 Montoya Dr, Laredo, TX 78045 Property Records

Webb County property record for 10123 Montoya Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	2,404 sqft · built 2004
Lot Size	0.125 acres (5,440 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Nov 2017)
Tax Bill	$1,613 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`989-51001-380`

Property Details

APN / Parcel Number

Primary APN	`989-51001-380`
Alternative APN	`273999`

Interior

Stories	2 Stories
Building Area	2,404 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	1,002 sqft
Utility Area	98 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,440 sqft (0.125 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	327 sqft
Storage Building	18 sqft

Location & Zoning

Street Address	10123 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 38, UNIT II
Legal Subdivision	SAN ISIDRO RUIDOSO
Legal Block	1
Legal Lot Number	38
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	Individual Name on Record
Mailing Address	9823 SWEETWIND DR, LAREDO, TX 78045-6310
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2017	Vendor's Lien, Transfer · Conventional Mortgage COMMONWEALTH MORTGAGE OF TEXAS LP
Apr 18, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2017 · Amount on Record
Deed Sale	Nov 9, 2017 · Amount on Record
Prior Sale	Apr 18, 2017
Deed Document Number	20171313093
Deed Book / Page	4327 / 691
Prior Transfer Date	Nov 7, 2017
Prior Transfer Doc	004327/691
Record Updated	Oct 29, 2026

November 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Nov 9, 2017
Property Address	10123 MONTOYA DR, LAREDO, TX 78045-6400
Document Number	004327/691
Book / Page	4327 / 691
Map Reference	VOL 22 PG 34
Instrument Date	Nov 7, 2017
Instrument	1313093
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10123 MONTOYA DR, LAREDO, TX 78045-6400

Mortgage

Document Number	0001313072
Date	Nov 9, 2017
Instrument	1313072

Lender

Name	COMMONWEALTH MORTGAGE OF TEXAS LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Apr 18, 2017
Property Address	10123 MONTOYA DR, LAREDO, TX 78045-6400
Document Number	004221/646
Book / Page	4221 / 646
Map Reference	VOL 22 PG 34
Instrument Date	Mar 17, 2017
Instrument	1294548
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8448 ORANGE ST, DOWNEY, CA 90242-3643
Investor	Possibly a Property Investor

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		$347,967 (+9.15%) Land $76,106 Building $271,861	$347,967 (+9.15%) Land $76,106 Building $271,861
2025	$1,613.00 (-17.32%)	$318,808 (+8.66%) Land $76,106 Building $242,702	$318,808 (+8.66%) Land $76,106 Building $242,702
2024	$1,951.00 (+11.68%)
2023		$293,394 Land $71,590 Building $221,804	$293,394 Land $71,590 Building $221,804
2022	$1,747.00

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 100 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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