1651 Bilbao Dr, Laredo, TX 78046 Property Records

Webb County property record for 1651 Bilbao Dr, Laredo, TX 78046

Property Summary

Property Type	Single Family Home
Details	1,421 sqft · built 2019
Lot Size	0.119 acres (5,177 sqft)
Owner	Individual Name on File
Last Sale	$233,747 (Oct 2024)
Tax Bill	$1,028 (2025)
Deeds & Mortgages	Sep 2020 Second Mortgage Aug 2021 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`966-12013-340`

Property Details

APN / Parcel Number

Primary APN	`966-12013-340`
Alternative APN	`598245`

Interior

Stories	1 Story
Building Area	1,421 sqft Living Area
1st Floor Area	1,421 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	5,177 sqft (0.119 acres)
Porch	Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	1651 BILBAO DR
City	LAREDO
State	TX
Zip	78046-8949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE HEIGHTS, BLOCK 13, LOT 34, UNIT V
Legal Subdivision	COLLEGE HEIGHTS
Legal Block	13
Legal Lot Number	34
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO SOUTH-EL CENIZO
Census Block Group	3
Census Block	3000
Census Tract	1819

Owner

1651 Bilbao Dr is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Sep 1, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE BANK OF NEW YORK MELLON TRUST CO NA
Aug 13, 2021	Warranty Deed, Transfer
Jul 23, 2021	Vendor's Lien, Transfer MORTGAGE FINANCIAL SERVICES LLC
Apr 20, 2021	Vendor's Lien, Transfer MORTGAGE FINANCIAL SERVICES LLC
Sep 1, 2020	Warranty Deed, Transfer
Sep 1, 2020	Vendor's Lien, Transfer · FHA Mortgage MORTGAGE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on File
Deed Sale	Oct 2, 2024 · Amount on File
Prior Sale	Jun 23, 2023
Deed Document Number	20241540693
Deed Book / Page	5724 / 294
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	0005072/22
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004855/18
Date	Sep 1, 2020
Book Page	4855/18
Instrument	1402827

Lender

Name	THE BANK OF NEW YORK MELLON TRUST CO NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Aug 13, 2021
Property Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Document Number	005090/786
Book / Page	5090 / 786
Map Reference	VOL 36 PG 56&57
Instrument Date	Aug 11, 2021
Instrument	1438794
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4818 FRANZETTA ST, 4818, LAREDO, TX 78046-8379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 WOODSTONE CT, LAREDO, TX 78045-8339

July 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jul 23, 2021
Property Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Document Number	0005072/22
Book / Page	5072 / 22
Map Reference	VOL 36 PG 56&57
Instrument Date	Jul 23, 2021
Instrument	1436542
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1611 WOODSTONE CT, 1611, LAREDO, TX 78045-8339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4818 FRANZETTA ST, LAREDO, TX 78046-8379
Investor	Possibly a Property Investor

Mortgage

Date	Jul 23, 2021

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

April 2021: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Apr 20, 2021
Property Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Document Number	005003/842
Book / Page	5003 / 842
Map Reference	VOL 36 PG 56&57
Instrument Date	Apr 15, 2021
Instrument	1425866
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4818 FRANZETTA ST, 4818, LAREDO, TX 78046-8379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 WOODSTONE CT, LAREDO, TX 78045-8339

Mortgage

Date	Apr 20, 2021

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Sep 1, 2020
Property Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Document Number	004854/891
Book / Page	4854 / 891
Map Reference	VOL 36 PG 56&57
Instrument Date	Aug 27, 2020
Instrument	1402824
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 SHILOH DR STE 13, 13, LAREDO, TX 78045-3203

September 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Sep 1, 2020
Property Address	1651 BILBAO DR, LAREDO, TX 78046-8949
Document Number	00004855/1
Book / Page	4855 / 1
Map Reference	VOL 36 PG 56&57
Instrument Date	Aug 27, 2020
Instrument	1402825
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 BILBRO DR, LAREDO, TX 78046-8949

Mortgage

Document Number	0001402826
Date	Sep 1, 2020
Instrument	1402826

Lender

Name	MORTGAGE FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1651 Bilbao Dr was $1,028, down 16.8% 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		$205,225 (+1%) Land $47,162 Building $158,063	$205,225 (+1%) Land $47,162 Building $158,063
2025	$1,028.00 (-16.76%)	$203,195 Land $47,162 Building $156,033	$203,195 Land $47,162 Building $156,033
2024	$1,235.00
2023		$193,993 Land $44,522 Building $149,471	$193,993 Land $44,522 Building $149,471
2022	$1,145.00

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

Flood

FEMA maps place 1651 Bilbao Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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

Wildfire risk around 1651 Bilbao Dr is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 81% of Texas
Wildfire Likelihood	0.06% annual chance
Exposure	Direct 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 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 490 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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