108 Orchard Ct, Laredo, TX 78045 Property Records

Webb County property record for 108 Orchard Ct, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,547 sqft · built 1997
Lot Size	0.161 acres (7,021 sqft)
Owner	Individual Name on Record
Last Sale	$278,320 (Sep 2025)
Tax Bill	$881 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`980-80003-280`

Property Details

APN / Parcel Number

Primary APN	`980-80003-280`
Alternative APN	`239650`

Interior

Stories	1 Story
Building Area	1,547 sqft Living Area
1st Floor Area	1,547 sqft
Utility Area	186 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,021 sqft (0.161 acres)
Lot Dimensions	98 ft deep x 57 ft wide
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	316 sqft

Location & Zoning

Street Address	108 ORCHARD CT
City	LAREDO
State	TX
Zip	78045-7732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 28 BLK 3 TERRA HILLS III
Legal Subdivision	TERRA HILLS I, II, III, IV
Legal Block	3
Legal Lot Number	28
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	1
Census Block	1003
Census Tract	1720

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	108 ORCHARD CT, LAREDO, TX 78045-7732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 29, 2025	Vendor's Lien, Transfer · VA Mortgage BARRETT FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Aug 14, 2013 · Amount on Record
Deed Document Number	20251568977
Deed Book / Page	5912 / 700
Prior Transfer Date	Aug 9, 2013
Prior Transfer Doc	003484/111
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	108 ORCHARD CT, LAREDO, TX 78045-7732
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ORCHARD CT, LAREDO, TX 78045-7732

Mortgage

Document Number	005084/701
Date	Aug 4, 2021
Book Page	5084/701
Instrument	1437826

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

September 2025: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Sep 29, 2025
Property Address	108 ORCHARD CT, LAREDO, TX 78045-7732
Document Number	005912/700
Book / Page	5912 / 700
Map Reference	VOL 16 PG 44
Instrument Date	Sep 26, 2025
Instrument	1568977
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ORCHARD CT, LAREDO, TX 78045-7732

Mortgage

Document Number	0001568978
Date	Sep 29, 2025
Instrument	1568978

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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		$242,461 (+2.24%) Land $84,041 Building $158,420	$242,461 (+2.24%) Land $84,041 Building $158,420
2025	$881.00 (-38.13%)	$237,138 (+4.46%) Land $84,041 Building $153,097	$237,138 (+4.46%) Land $84,041 Building $153,097
2024	$1,424.00 (+4.4%) Homeowner's exemption	$227,023 (+4.94%) Land $84,042 Building $142,981	$227,023 (+4.94%) Land $84,042 Building $142,981
2023	$1,364.00 (+5.9%) Homeowner's exemption	$216,333 Land $78,846 Building $137,487	$216,333 Land $78,846 Building $137,487
2022	$1,288.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2008–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2017 · rainfall accumulation

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	Not rated no burnable land within 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 575 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Smartcom Telephone, T-Mobile.

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