15109 Cerralvo Dr, Laredo, TX 78045 Property Records

Webb County property record for 15109 Cerralvo Dr, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,746 sqft · built 2013
Lot Size	0.125 acres (5,442 sqft)
Owner	2 Individual Names on File
Last Sale	$336,091 (Apr 2026)
Tax Bill	$1,328 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Dec 2015 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`968-66004-050`

Property Details

APN / Parcel Number

Primary APN	`968-66004-050`
Alternative APN	`458821`

Interior

Stories	1 Story
Building Area	1,746 sqft Living Area
Gross Area	2,166 sqft
1st Floor Area	1,746 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,442 sqft (0.125 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	535 sqft

Location & Zoning

Street Address	15109 CERRALVO DR
City	LAREDO
State	TX
Zip	78045-7130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAS SAN AGUSTIN, BLOCK 4, LOT 5, UNIT 3
Legal Subdivision	VILLAS SAN AGUSTIN
Legal Block	4
Legal Lot Number	5
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO
Census Block Group	3
Census Block	3003
Census Tract	1715

Owner

15109 Cerralvo Dr is owned by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	501 STARLING CREEK LOOP, LAREDO, TX 78045-8895
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SFMC LP
Dec 22, 2015	Deed of Trust, Mortgage · Conventional Mortgage COMPASS BANK
Apr 1, 2026	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Apr 1, 2026	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Dec 27, 2022	Vendor's Lien, Transfer · FHA Mortgage SFMC LP
Jul 26, 2021	Vendor's Lien, Transfer · VA Mortgage VAN DYK MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Dec 27, 2022 · Amount on File
Deed Document Number	20261583740
Deed Book / Page	6012 / 188
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	5073/461
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	15109 CERRALVO DR, LAREDO, TX 78045-7130
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005393/580
Date	Dec 27, 2022
Book Page	5393/580
Instrument	1487782

Lender

Name	SFMC LP
Type	Mortgage Company
Address	AUSTIN, TX 78711

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	15109 CERRALVO DR, LAREDO, TX 78045-7130
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003901/062
Date	Dec 22, 2015
Book Page	3901/062
Instrument	1252742

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2046

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBB TX
Recording Date	Apr 1, 2026
Property Address	15109 CERRALVO DR, LAREDO, TX 78045-7130
Document Number	0001583740
Book / Page	6012 / 188
Instrument Date	Mar 30, 2026
Instrument	20261583740
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001583741,
Date	Apr 1, 2026
Instrument	20261583741

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBB TX
Recording Date	Apr 1, 2026
Property Address	15109 CERRALVO DR, LAREDO, TX 78045-7130
Document Number	006012/188
Book / Page	6012 / 188
Instrument Date	Mar 30, 2026
Instrument	20261583740
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001583741,
Date	Apr 1, 2026
Instrument	20261583741

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Dec 27, 2022
Property Address	15109 CERRALVO DR, LAREDO, TX 78045-7130
Document Number	005393/556
Book / Page	5393 / 556
Map Reference	VOL 30 PG 13
Instrument Date	Dec 22, 2022
Instrument	1487780
Transaction Type	Transfer
Record Updated	Jan 5, 2023
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15109 CERRALVO DR, LAREDO, TX 78045-7130

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	15109 CERRALVO DR, LAREDO, TX 78045-7130

Mortgage

Document Number	0001487781
Date	Dec 27, 2022
Instrument	1487781

Lender

Name	SFMC LP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jul 26, 2021
Property Address	15109 CERRALVO DR, LAREDO, TX 78045-7130
Document Number	5073/461
Book / Page	5073 / 461
Map Reference	VOL 30 PG 1-5
Instrument Date	Jul 23, 2021
Instrument	1436833
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	LAREDO TITLE AND ABSTRACT LIMITED, LAREDO TITLE & ABSTRACT LTD

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15109 CERRALVO DR, LAREDO, TX 78045-7130

Mortgage

Document Number	1436834
Date	Jul 26, 2021
Instrument	1436834

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 15109 Cerralvo Dr was $1,328, up 7.3% from the year before.

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		$262,000 (-0.22%) Land $52,080 Building $209,920	$262,000 (-0.22%) Land $52,080 Building $209,920
2025	$1,328.00 (+7.27%) Homeowner's exemption	$262,571 Land $52,080 Building $210,491	$262,571 Land $52,080 Building $210,491
2024	$1,238.00
2023		$236,714 Land $42,012 Building $194,702	$236,714 Land $42,012 Building $194,702
2022	$1,302.00

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

Flood

FEMA maps place 15109 Cerralvo Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 15109 Cerralvo Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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