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1405 Ocio Dr, Laredo, TX 78045 Property Records

Webb County property record for 1405 Ocio Dr, Laredo, TX 78045

Property Summary

Property TypeSingle Family Home
Details2,534 sqft · built 2024
Lot Size0.199 acres (8,669 sqft)
Owner2 Individual Names on Record
Last Sale$500,811 (Oct 2024)
Tax Bill$2,807 (2025)
Deeds & MortgagesOct 2024 Mortgage
Oct 2024 Mortgage
Flood ZoneZone X (minimal risk)
APN989-91005-040

Property Details

APN / Parcel Number

Primary APN989-91005-040
Alternative APN
  • 809565

Interior

Stories1 Story
Building Area2,534 sqft Living Area
Gross Area3,006 sqft
1st Floor Area2,534 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialStucco
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area8,669 sqft (0.199 acres)
Garage TypeAttached
Garage Area472 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area465 sqft

Location & Zoning

Street Address1405 OCIO DR
CityLAREDO
StateTX
Zip78045-4288
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSAN ISIDRO NORTHEAST LAS PALMAS SUBD. PHASE 2 BLK 5 LOT 4
Legal SubdivisionSAN ISIDRO NORTHEAST LAS PALMAS SUBD. PH
Legal Block5
Legal Lot Number4
JurisdictionWEBB TX
Township / Civil DivisionLAREDO NORTH-WEBB
Census Block Group2
Census Block2017
Census Tract1727

Owner

Source: Webb County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1405 OCIO DR, LAREDO, TX 78045-4288
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Man

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2024Deed of Trust, Mortgage · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Oct 21, 2024Vendor's Lien, Subdivision Related Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 21, 2024 · Amount on Record
Deed SaleOct 21, 2024 · Amount on Record
Deed Document Number20241541915
Deed Book / Page5732 / 298
Record UpdatedOct 29, 2026

October 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEBB TX
Property Address1405 OCIO DR, LAREDO, TX 78045-4288
Transaction TypeMortgage
Record UpdatedNov 4, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number005732/302
DateOct 21, 2024
Book Page5732/302
Instrument1541916
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Address3701 ARCO CORPORATE DR STE 200, CHARLOTTE, NC 28273
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2054

October 2024: Vendor's Lien, Subdivision Related Transfer

Document TypeVendor's Lien
JurisdictionWEBB TX
Recording DateOct 21, 2024
Property Address1405 OCIO DR, LAREDO, TX 78045-4288
Document Number005732/298
Book / Page5732 / 298
Map ReferenceVOL 42 PGS 3-6
Instrument DateOct 18, 2024
Instrument1541915
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 4, 2025

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1405 OCASO DR, LAREDO, TX 78045-4242

Mortgage

Document Number0001541916
DateOct 21, 2024
Instrument1541916
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Special NotesSeller Financed
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2054

Tax Assessment & Valuation

Source: Webb County assessment roll, as of September 1, 2026

Property Jurisdictions

TypeName
StateTexas
MunicipalityLaredo City
CountyWebb County
Unified School DistrictUnited Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$574,146 Land $167,138 Building $407,008$574,146 Land $167,138 Building $407,008
2025$2,807.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 62% of the US · lower than 87% of Texas
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemCITY OF LAREDO
serves 260,046 people · EPA ID TX2400001
Water SourceSurface water
Last State InspectionAug 2023
Lead1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
not recorded as resolved · May 2026
Total trihalomethanes
resolved · Jan 2017
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting6
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 300 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, Smartcom Telephone.

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