204 Flathead Lake Dr, Laredo, TX 78041 Property Records

Webb County property record for 204 Flathead Lake Dr, Laredo, TX 78041

Property Summary

Property Type	Single Family Home
Details	2,742 sqft · built 2000
Lot Size	0.182 acres (7,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,922 (Apr 2022)
Tax Bill	$1,883 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`991-00004-020`

Property Details

APN / Parcel Number

Primary APN	`991-00004-020`
Alternative APN	`247537`

Interior

Stories	2 Stories
Building Area	2,742 sqft Living Area
Gross Area	3,226 sqft
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Tile
Lot Area	7,934 sqft (0.182 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Area	364 sqft
Porch	Open Porch
Porch Area	220 sqft

Location & Zoning

Street Address	204 FLATHEAD LAKE DR
City	LAREDO
State	TX
Zip	78041-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKESIDE, BLOCK 4, LOT 2, PHASE 3
Legal Subdivision	LAKESIDE
Legal Phase	3
Legal Block	4
Legal Lot Number	2
Jurisdiction	WEBB TX
Township / Civil Division	LAREDO NORTH-WEBB
Census Block Group	2
Census Block	2015
Census Tract	1714

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	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 8, 2022	Warranty Deed, Transfer
Apr 8, 2022	Vendor's Lien, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Feb 5, 2019	Vendor's Lien, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 11, 2017	Vendor's Lien, Transfer · FHA Mortgage ALAN K RUDDER AND ROMELIA RUDDER ET

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2022 · Amount on Record
Deed Sale	Apr 8, 2022 · Amount on Record
Prior Sale	Apr 8, 2022 · Amount on Record
Deed Document Number	20221464124
Deed Book / Page	5250 / 446
Prior Transfer Date	Feb 1, 2019
Prior Transfer Doc	004545/843
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBB TX
Property Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004769/516
Date	Apr 15, 2020
Book Page	4769/516
Instrument	1389552

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBB TX
Recording Date	Apr 8, 2022
Property Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933
Document Number	005250/443
Book / Page	5250 / 443
Map Reference	VOL 19 PG 61
Instrument Date	Apr 7, 2022
Instrument	1464123
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16346 AIRPORT CIR, AURORA, CO 80011-1558
Investor	Possibly a Property Investor

April 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Apr 8, 2022
Property Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933
Document Number	005250/446
Book / Page	5250 / 446
Map Reference	VOL 19 PG 61
Instrument Date	Mar 22, 2022
Instrument	1464124
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933

Mortgage

Document Number	0001464125
Date	Apr 8, 2022
Instrument	1464125

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

February 2019: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Feb 5, 2019
Property Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933
Document Number	004545/843
Book / Page	4545 / 843
Map Reference	VOL 19 PG 61
Instrument Date	Feb 1, 2019
Instrument	1351517
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933

Mortgage

Document Number	0001351518
Date	Feb 5, 2019
Instrument	1351518

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

July 2017: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	WEBB TX
Recording Date	Jul 11, 2017
Property Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933
Document Number	004268/644
Book / Page	4268 / 644
Map Reference	VOL 1210 PG 541
Instrument Date	Jul 10, 2017
Instrument	1302743
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 LAKE MORRAINE LOOP, 435, LAREDO, TX 78041-2001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 FLATHEAD LAKE DR, LAREDO, TX 78041-1933

Mortgage

Document Number	0001302744
Date	Jul 11, 2017
Instrument	1302744

Lender

Name	ALAN K RUDDER AND ROMELIA RUDDER ET
Type	Private Party
Special Notes	Seller Financed

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 10, 2022

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		$384,450 (+3.33%) Land $132,976 Building $251,474	$384,450 (+3.33%) Land $132,976 Building $251,474
2025	$1,883.00 (+3.07%) Homeowner's exemption	$372,073 (+5.26%) Land $132,976 Building $239,097	$372,073 (+5.26%) Land $132,976 Building $239,097
2024	$1,827.00 (-12.67%)
2023		$353,490 Land $99,415 Building $254,075	$353,490 Land $99,415 Building $254,075
2022	$2,092.00

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	2 in force
Nearby Flood Claims	9 (1999–2017)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Sep 2017 · other causes

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	Low lower than 80% of the US · lower than 94% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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