1818 Arctic Ct, Laredo, TX 78045 Property Records

Webb County property record for 1818 Arctic Ct, Laredo, TX 78045

Property Summary

Property Type	Single Family Home
Details	1,837 sqft · built 2000
Lot Size	0.14 acres (6,114 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,374 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`985-81008-090`

Property Details

APN / Parcel Number

Primary APN	`985-81008-090`
Alternative APN	`255349`

Interior

Stories	1 Story
Building Area	1,837 sqft Living Area
Gross Area	2,277 sqft
1st Floor Area	1,837 sqft
Utility Area	40 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,114 sqft (0.14 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	176 sqft

Location & Zoning

Street Address	1818 ARCTIC CT
City	LAREDO
State	TX
Zip	78045-8417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	VILLAGE HEIGHTS UNIT IV, BLOCK 8, LOT 9
Legal Subdivision	VILLAGE HEIGHTS UNIT IV
Legal Block	8
Legal Lot Number	9
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	1
Census Block	1005
Census Tract	1725

Owner

1818 Arctic Ct is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1818 ARCTIC CT, LAREDO, TX 78045-8417
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INTERNATIONAL BANK OF COMMERCE
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERNATIONAL BANK OF COMMERCE
Jan 23, 2018	Deed of Trust, Mortgage · Line of Credit CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1818 ARCTIC CT, LAREDO, TX 78045-8417
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 ARCTIC CT, LAREDO, TX 78045-8417

Mortgage

Document Number	005981/487
Date	Feb 6, 2026
Book Page	5981/487
Instrument	1579183

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Address	8998 RESEARCH BLVD, AUSTIN, TX 78758

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1818 ARCTIC CT, LAREDO, TX 78045-8417
Transaction Type	Mortgage
Record Updated	Jul 31, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4826/46
Date	Jul 23, 2020
Book Page	4826/46
Instrument	1398629

Lender

Name	INTERNATIONAL BANK OF COMMERCE
Type	Bank
Address	AUSTIN, TX 78758

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	1818 ARCTIC CT, LAREDO, TX 78045-8417
Transaction Type	Mortgage
Record Updated	Jan 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1318587
Date	Jan 23, 2018
Book Page	4358/251
Instrument	1318587

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1818 Arctic Ct was $1,374 with a homeowner's exemption, down 15.6% 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		$269,665 (-0.68%) Land $85,347 Building $184,318	$269,665 (-0.68%) Land $85,347 Building $184,318
2025	$1,374.00 (-15.6%) Homeowner's exemption	$271,509 Land $85,347 Building $186,162	$271,509 Land $85,347 Building $186,162
2024	$1,628.00
2023		$243,534 Land $69,207 Building $174,327	$243,534 Land $69,207 Building $174,327
2022	$1,426.00

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

Flood

FEMA maps place 1818 Arctic Ct 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
Community Rating System	Class 8 (10% premium discount)
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 1818 Arctic Ct 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	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 895 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, Smartcom Telephone.

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