109 Flathead Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 109 Flathead Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	1,855 sqft · built 1999
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,700 (Jun 2021)
Tax Bill	$1,515 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`991-00002-050`

Property Details

APN / Parcel Number

Primary APN	`991-00002-050`
Alternative APN	`247300`

Interior

Stories	1 Story
Building Area	1,855 sqft Living Area
Gross Area	2,399 sqft
1st Floor Area	1,855 sqft
Utility Area	40 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,150 sqft (0.164 acres)
Garage Type	Attached
Garage Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	308 sqft

Location & Zoning

Street Address	109 FLATHEAD LAKE DR
City	LAREDO
State	TX
Zip	78041-1913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKESIDE, BLOCK 2, LOT 5, PHASE 1
Legal Subdivision	LAKESIDE
Legal Phase	1
Legal Block	2
Legal Lot Number	5
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2018
Census Tract	1714

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	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Line of Credit FROST BANK
Jun 15, 2021	Vendor's Lien, Transfer · FHA Mortgage BECKAM FUNDING CORP
May 24, 2021	Intrafamily Transfer, Transfer
Apr 12, 2021	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	Jul 21, 2015 · Amount on Record
Deed Document Number	20211432192
Deed Book / Page	5044 / 94
Prior Transfer Date	Apr 7, 2021
Prior Transfer Doc	004998/549
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Recording Date	Jun 4, 2026
Property Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913
Document Number	0001589395
Book / Page	6051 / 718
Instrument Date	May 26, 2026
Instrument	20261589395
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913

Mortgage

Document Number	0001589395,
Date	Jun 4, 2026
Book Page	6051/718
Instrument	20261589395

Lender

Name	FROST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

June 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jun 15, 2021
Property Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913
Document Number	0005044/94
Book / Page	5044 / 94
Map Reference	VOL 18 PG 82&83
Instrument Date	Jun 11, 2021
Instrument	1432192
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913

Mortgage

Document Number	0001432193
Date	Jun 15, 2021
Instrument	1432193

Lender

Name	BECKAM FUNDING CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WEBB TX
Recording Date	May 24, 2021
Property Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913
Document Number	005028/702
Book / Page	5028 / 702
Map Reference	VOL 18 PG 82&83
Instrument Date	May 11, 2021
Instrument	1429768
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 E HENDERSON ST, 13, CLEBURNE, TX 76031-4947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913

April 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WEBB TX
Recording Date	Apr 12, 2021
Property Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913
Document Number	004998/549
Book / Page	4998 / 549
Map Reference	VOL 18 PG 82&83
Instrument Date	Apr 7, 2021
Instrument	1425038
Transaction Type	Transfer
Record Updated	Sep 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FLATHEAD LAKE DR, LAREDO, TX 78041-1913

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		$308,762 (+3.12%) Land $119,977 Building $188,785	$308,762 (+3.12%) Land $119,977 Building $188,785
2025	$1,515.00 (+0.8%) Homeowner's exemption	$299,424 (+6.75%) Land $119,977 Building $179,447	$299,424 (+6.75%) Land $119,977 Building $179,447
2024	$1,503.00 (-11.07%)
2023		$280,498 Land $89,661 Building $190,837	$280,498 Land $89,661 Building $190,837
2022	$1,690.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1999–2017)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Sep 2017 · other causes

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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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