1320 Lois Ln, Laredo, TX 78045 Property Records

Webb County property record for 1320 Lois Ln, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,510 sqft · built 1990
Lot Size	0.174 acres (7,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,900 (Oct 2019)
Tax Bill	$1,325 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`970-10005-040`

Property Details

APN / Parcel Number

Primary APN	`970-10005-040`
Alternative APN	`236449`

Interior

Stories	2 Stories
Building Area	1,510 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	1,102 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,598 sqft (0.174 acres)
Lot Dimensions	105 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	350 sqft
Pool House	238 sqft
Porch	Open Porch
Porch Area	450 sqft
Patio Area	72 sqft
Balcony Area	72 sqft

Location & Zoning

Street Address	1320 LOIS LN
City	LAREDO
State	TX
Zip	78045-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4 BLK 5 CROSS COUNTRY II
Legal Subdivision	CROSS COUNTRY I, II, III
Legal Block	5
Legal Lot Number	4
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	1
Census Block	1001
Census Tract	1722

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	1320 LOIS LN, LAREDO, TX 78045-1926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · FHA Mortgage SFMC LP
Oct 28, 2019	Vendor's Lien, Transfer · FHA Mortgage SFMC LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Prior Sale	Jun 8, 2016 · Amount on Record
Deed Document Number	20191375606
Deed Book / Page	4685 / 691
Prior Transfer Date	Oct 25, 2019
Prior Transfer Doc	004685/691
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1320 LOIS LN, LAREDO, TX 78045-1926
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4949/596
Date	Feb 2, 2021
Book Page	4949/596
Instrument	1417660

Lender

Name	SFMC LP
Type	Mortgage Company
Address	MCKINNEY, TX 75070

Agreement

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

October 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Oct 28, 2019
Property Address	1320 LOIS LN, LAREDO, TX 78045-1926
Document Number	004685/691
Book / Page	4685 / 691
Map Reference	VOL 7 PG 75
Instrument Date	Oct 25, 2019
Instrument	1375606
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	1320 LOIS LN, LAREDO, TX 78045-1926

Mortgage

Document Number	0001375607
Date	Oct 28, 2019
Instrument	1375607

Lender

Name	SFMC LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	Tax Bill	Assessed Value	Assessed Market Value
2026		$269,330 (+2.84%) Land $90,492 Building $178,838	$269,330 (+2.84%) Land $90,492 Building $178,838
2025	$1,325.00 (+1.22%) Homeowner's exemption	$261,888 (+8.47%) Land $90,492 Building $171,396	$261,888 (+8.47%) Land $90,492 Building $171,396
2024	$1,309.00 (-14.11%)
2023		$241,445 Land $84,946 Building $156,499	$241,445 Land $84,946 Building $156,499
2022	$1,524.00

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	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 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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