12614 River Bend Cir, Laredo, TX 78045 Property Records

Webb County property record for 12614 River Bend Cir, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,327 sqft · built 2002
Lot Size	0.162 acres (7,045 sqft)
Owner	Individual Name on Record
Last Sale	$173,900 (Feb 2018)
Tax Bill	$1,134 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`984-10002-220`

Property Details

APN / Parcel Number

Primary APN	`984-10002-220`
Alternative APN	`240817`

Interior

Stories	1 Story
Building Area	1,327 sqft Living Area
1st Floor Area	1,327 sqft
Utility Area	112 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,045 sqft (0.162 acres)
Pool Area	244 sqft
Porch	Open Porch
Porch Area	667 sqft

Location & Zoning

Street Address	12614 RIVER BEND CIR
City	LAREDO
State	TX
Zip	78045-4123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 22 BLK 2 WOLF CREEK
Legal Subdivision	WOLF CREEK I
Legal Block	2
Legal Lot Number	22
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2016
Census Tract	1711

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	12614 RIVER BEND CIR, LAREDO, TX 78045-4123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Feb 21, 2018	Vendor's Lien, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Dec 11, 2017	Vendor's Lien, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2018 · Amount on Record
Deed Sale	Feb 21, 2018 · Amount on Record
Prior Sale	Dec 11, 2017 · Amount on Record
Deed Document Number	20181321385
Deed Book / Page	4373 / 852
Prior Transfer Date	Dec 7, 2017
Prior Transfer Doc	004373/852
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	12614 RIVER BEND CIR, LAREDO, TX 78045-4123
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12614 RIVER BEND CIR, LAREDO, TX 78045-4123

Mortgage

Document Number	005011/548
Date	Apr 29, 2021
Book Page	5011/548
Instrument	1427094

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2018: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Feb 21, 2018
Property Address	12614 RIVER BEND CIR, LAREDO, TX 78045-4123
Document Number	004373/852
Book / Page	4373 / 852
Map Reference	VOL 17 PG 58
Instrument Date	Dec 7, 2017
Instrument	1321385
Transaction Type	Transfer
Record Updated	Mar 1, 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	12614 RIVER BEND CIR, LAREDO, TX 78045-4123

Mortgage

Document Number	0001321386
Date	Feb 21, 2018
Instrument	1321386

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 11, 2017
Property Address	12614 RIVER BEND CIR, LAREDO, TX 78045-4123
Document Number	004340/621
Book / Page	4340 / 621
Map Reference	VOL 17 PG 58
Instrument Date	Dec 7, 2017
Instrument	1315543
Transaction Type	Transfer
Record Updated	Mar 1, 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	12614 RIVER BEND CIR, LAREDO, TX 78045-4123

Mortgage

Document Number	0001315544
Date	Dec 11, 2017
Instrument	1315544

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$236,910 (+5.69%) Land $79,890 Building $157,020	$236,910 (-0.52%) Land $79,890 Building $157,020
2025	$1,134.00 (-11.27%) Homeowner's exemption	$224,160 (+21%)	$238,158 (+28.56%)
2024	$1,278.00 (+7.76%)
2023		$185,256 Land $53,119 Building $132,137	$185,256 Land $53,119 Building $132,137
2022	$1,186.00

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (2006–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Feb 2010 · 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 80% of the US · lower than 94% of Texas
Wildfire Likelihood	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 357 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
Starlink Satellite	280 / 30

May also be available: Smartcom Telephone.

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