118 Cardinal Ln, Laredo, TX 78045 Property Records

Webb County property record for 118 Cardinal Ln, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	3,955 sqft · built 1997
Lot Size	0.338 acres (14,729 sqft)
Owner	Individual Name on File
Last Sale	$352,400 (Feb 2019)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`983-00001-100`

Property Details

APN / Parcel Number

Primary APN	`983-00001-100`
Alternative APN	`240284`

Interior

Stories	1 Story
Building Area	3,955 sqft Living Area
Gross Area	4,659 sqft
1st Floor Area	3,955 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	14,729 sqft (0.338 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Pool Area	456 sqft
Porch	Open Porch
Porch Area	984 sqft

Location & Zoning

Street Address	118 CARDINAL LN
City	LAREDO
State	TX
Zip	78045-4150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 10 BLK 1 CARDINAL CREEK I
Legal Subdivision	CARDINAL CREEK I
Legal Block	1
Legal Lot Number	10
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	3
Census Block	3033
Census Tract	1711

Owner

118 Cardinal Ln is owned and occupied by an individual who bought it in February 2019.

Source: Webb County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	118 CARDINAL LN, LAREDO, TX 78045-4150
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Feb 4, 2019	Vendor's Lien, Transfer · VA Mortgage GEO MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2019 · Amount on File
Deed Sale	Feb 4, 2019 · Amount on File
Deed Document Number	20191351369
Deed Book / Page	4545 / 207
Prior Transfer Date	Jan 31, 2019
Prior Transfer Doc	004545/207
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	118 CARDINAL LN, LAREDO, TX 78045-4150
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CARDINAL LN, LAREDO, TX 78045-4150

Mortgage

Document Number	005314/831
Date	Jul 21, 2022
Book Page	5314/831
Instrument	1474458

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

February 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Feb 4, 2019
Property Address	118 CARDINAL LN, LAREDO, TX 78045-4150
Document Number	004545/207
Book / Page	4545 / 207
Map Reference	VOL 12 PG 69-71
Instrument Date	Jan 31, 2019
Instrument	1351369
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CARDINAL LN, LAREDO, TX 78045-4150

Mortgage

Document Number	0001351370
Date	Feb 4, 2019
Instrument	1351370

Lender

Name	GEO MORTGAGE SERVICES INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

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	Assessed Value	Assessed Market Value
2026	$435,993 (+4.75%) Land $97,211 Building $338,782	$435,993 (-0.8%) Land $97,211 Building $338,782
2025	$416,213	$439,526 Land $97,211 Building $342,315
2023	$454,597 Land $67,164 Building $387,433	$454,597 Land $67,164 Building $387,433

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 Cardinal Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 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

Wildfire risk around 118 Cardinal Ln is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

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