1235 Saint Michael Dr, Laredo, TX 78045 Property Records

Webb County property record for 1235 Saint Michael Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,828 sqft · built 1989
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on Record
Tax Bill	$1,948 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`970-00004-080`

Property Details

APN / Parcel Number

Primary APN	`970-00004-080`
Alternative APN	`236243`

Interior

Stories	1 Story
Building Area	1,828 sqft Living Area
Gross Area	2,530 sqft
1st Floor Area	2,530 sqft
2nd Floor Area	684 sqft

Exterior

Year Built	Built 1989
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	111 ft deep x 55 ft wide
Porch	Open Porch
Porch Area	514 sqft
Total Buildings	2 Buildings

Location & Zoning

Account Number	236243
Old Parcel Number	97000004080
Street Address	1235 SAINT MICHAEL DR
City	LAREDO
State	TX
Zip	78045-7583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 80 BLK 4 OAKRIDGE
Legal Subdivision	OAKRIDGE
Legal Block	4
Legal Lot Number	80
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	1
Census Block	1009
Census Tract	1722

Owner

Source: Webb County records, as of November 3, 2025

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	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMPASS BANK
Apr 23, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 1994
Deed Sale	May 25, 1994
Deed Document Number	520541
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Recording Date	Jul 20, 2026
Property Address	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583
Document Number	0001593335
Book / Page	6077 / 278
Instrument Date	Jul 8, 2026
Instrument	20261593335
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583

Mortgage

Document Number	0001593335,
Date	Jul 20, 2026
Book Page	6077/278
Instrument	20261593335

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 15, 2066

Interest

Rate	6.52%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583

Mortgage

Document Number	0005558/70
Date	Nov 8, 2023
Book Page	5558/70
Instrument	1514827

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 5, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583
Transaction Type	Mortgage
Record Updated	Jun 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4607/142
Date	May 30, 2019
Book Page	4607/142
Instrument	1361975

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1235 SAINT MICHAEL DR, LAREDO, TX 78045-7583
Transaction Type	Mortgage
Record Updated	Apr 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4405/540
Date	Apr 23, 2018
Book Page	4405/540
Instrument	1326893

Lender

Name	COMPASS BANK
Type	Bank
Address	LAREDO, TX 78041

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Webb County assessment roll, as of July 25, 2025

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
2025		$323,074 (+14.66%) Land $82,938 Building $240,136	$323,074 (+14.66%) Land $82,938 Building $240,136
2024	$1,948.00 (+14.52%)
2023		$281,777 Land $77,832 Building $203,945	$281,777 Land $77,832 Building $203,945
2022	$1,701.00

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	3 in force
Nearby Flood Claims	3 (2002–2017)
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	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 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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